BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$4900.00} Opened Date XX/XX/XXXXXXXX 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 2023-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX RECENTLY SENT ME INFORMATION IN REGARDS TO ACCOUNT THEY CLAIM THEY PROVIDED FUNDING TO ME BUT I NEVER RECEIVED ANY LOAN FROM THEM. I REQUESTED THE TRUE BILL OF SALE, REPOSESSION AND INVESTIGATION ORDERS, LOAN DISCLOSURES AND IF THE ACCOUNT IS REPORTING AS CHARGED OFF, THE PROPER TAX FILING THAT DEBTOR/RECEIPIENT IS SUPPOSE TO RECEIVE FOR TAX PURPOSES, AS ACCORDING TO THE IRS WHO IS AUTHORIZED TO ENFORCE TAX LAWS. TD AUTO FINANCE HAS FAILED TO PROVIDE THESE DOCUMENTS TO ME VERIFYING THE ACCOUNT CHARGE OFF STATUS. THE INFORMATION THEY ARE REPORTING TO THE CREDIT BUREAUS DOES NOT MATCH THE INFORMATION THEY SHARED NOR ANY CONTRACT I SIGNED. ONLY CONTRACT I HAVE STATES XXXX TERM FOR MONTHLY PAYMENT OF XXXX NOT XXXX  MONTHS AT XXXX. THEY CHANGED THE CONTRACT WITHOUT MY PERMISSION OR KNOWLEDGE AND FORGED MY INITIALS ON THE ITEMIZED PORTION OF THE DOCUMENT. 
I HAVE FILED AN FTC REPORT AND WILL BE FILING FORM XXXX WITH THE IRS TO REQUEST AN AUDIT OF THE ACCOUNT. THE CONTRACTS CLEARLY HAVE BEEN ALTERED AND THEY ARE NOT PROVIDED THE TRUE BILL OF SALE, PROOF OF FUNDING, INVESTIFATION REPOSSESSION ORDERS AND TAX FILINGS. 
I WILL ALSO BE FILING A COMPLAINT WITH THE SECURITIES & EXCHANCGE COMMISSION FOR SECURITIES FRAUD. THE ACCOUNT IS NOW IN DISPUTE STATUS AND SHOULD NOT BE REPORTING IF IT DOES NOT MATCH THE TERMS EXPRESSED IN THE ORIGINAL CONTRACT, THAT IS FRAUD. 
THEY ALSO STATED THEY CHARGED OFF THE ACCOUNT, IF THEY DID THEY SHOULD BE PROVIDING THE TAX DOCUMENTS SHOWING THIS. IF THE ACCOUNT IS CHARGED OFF AT THE AMOUNT STATED IN THE LETTER THEY SENT ME HOW IS THERE AN AMOUNT ACCRUING EACH MONTH? IF THERE IS NO MONTHLY PAYMENT DUE AS YOU ARE REPORTING TO THE CREDIT BUREAUS HOW IS THERE AN AMOUNT ACCRUING? 

SENT LETTER TO WELLS FARGO INDENTURED TRUSTEE XXXX XXXX XXXX, THEY ARE ALSO RESPONSIBLE AND LIABLE FOR THE FRAUD THAT IS HAPPENING.

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 2018-05-07
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Carter-Young Inc responded to my first complaint through the CFPB on XX/XX/XXXX stating that they would delete this account from my reports however as of XX/XX/XXXX, this account is still being reported as a collection and is negatively affecting my credit. The company has failed to uphold their agreement to remove the collection account and also did not send any letter stating that they would delete the account ( which was stated in their response ). This account needs to be deleted ASAP, not in 30+ days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureaus ) that you report to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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: Reporting company used your report improperly

Complaint:
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.

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

Name of Account Account Number Verification OFFICE OF THE ATTY XXXX XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX  XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identitu Theft. 

XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
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:
I believe that I am a victim of the Equifax data breach. This account is frivolous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 report by 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 the 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 2023-06-24
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: Information belongs to someone else

Complaint:
This is my 7th 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 an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee on the date of XX/XX/21 however i was not notified of the overdraft that apparently happened at night on the date of XX/XX/21. I called the bank and told them about the situation and i even put in funds the day i got the notification to avoid overdraft and i was told i can only get half credit despite only having one overdraft refunded this year 6 months ago. I have been banking with wells fargo for almost 6 years now and i i find this customer service completely disgusting being a veteran as well. If i was notified promptly instead the day after the fact i would have deposited funds prior too.

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Its been over a year and I have had severe difficulty resolving fraudulent identity theft account that appear on my credit report, I have disputed the accounts online, mail, phone and with a Dedicated Fraud Resolution Specialist provided by experian with my premium plan for {$19.00}. The fraud resolution specialist is suppose to stay in contact with me and follow a protocol to get the identity theft resolved. The lady XXXX who is assigned to me has only spoken to me once and has not answered my calls or emails since our initial conversation. I have supplied experian with my FTC report, police report and notarized affidavit that they requested so that the accounts could be removed. They have repeatedly claimed the accounts were verified and completely ignored the identity theft even though the creditors XXXX, XXXX and XXXX do not have any proof or original contracts bearing my signature only bills that resulted from a thief using my information. Both companies stated someone called in and opened accounts using my social but havent provided any proof besides a generic bill showing whats owed/charged. Every time I call to speak to XXXX she is not available, experian is promoting a misleading product and violating several of my rights as a consumer under the FCRA, FDCP and TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: MA
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:
Citicards has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit 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 explanation
Consumer complaint received 2021-12-04
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt. 

MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-13
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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 filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but Santander Consumer wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My car was XXXX in an accident.The insurance company was in communication with XXXX XXXX. There was a administration lapse of communication between XXXX XXXX and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took XXXX XXXX another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car XXXX and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help

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 2023-09-13
Company: CAINE & WEINER COMPANY, INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector Caine & Weiner reported a negative debt in the amount of {$1200.00} reported on XX/XX/2018, XXXX and 4 months ago I didn't have a vehicle on my name and didn't have any type of vehicle insurance because at that time I wasn't located in the state of Florida and was going through a family hardship in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XXXX XX/XX/2021 ) - ( XXXX XXXX XX/XX/2021 ) - ( XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XXXX XXXX, 2021 )

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 2021-06-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was recently granted a loan modification. I just finished with the trial period and received the details of the loan modification agreement. First my interest rate remained at 6.25 %. But even more egregious was the fact that they are charging interest on an advance of {$6000.00}. In the end, my monthly payments are about {$200.00} more than I was originally paying prior to the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have repeatedly had issues connecting to my PNC business checking account to manage it. Issues have occurred attempting to access via all three platforms PNC provides its clients to manage the acct., ( Laptop, Dial-In PIN & mobile app ). The error message will say my password is incorrect even though I never changed it. Same with the PIN to access my info over the automated service. Several calls have been noted on my account over the past year and a half. I eventually went in-person to resolve this only to find the solution temporary as the same problem occurred again the next time I attempted to log in via the mobile app. Now the bank will not link with several applications I have requested it to, one of which being payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account listed below is reported on my personal credit file and was found in my reports with 3 credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : {$930.00}.

Company response to consumer: Closed with explanation