BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXX is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX  response letter ( dated XX/XX/XXXX ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXX is incorrectly showing 30 days late, but said I should take up the issue with XXXX. To me, thats the same as saying its XXXX fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXX payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXX payment was paid on time, and is incorrectly showing 30 days late on the TransUnion credit report also, I am requesting that TransUnion correct the credit report by removing this XXXX late payment.

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 2021-06-17
Company: Cedars Business Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a fraudulent charge was made against my XXXX account by a person in XXXX, XXXX. I first learned of this charge on XX/XX/XXXX when XXXX sent an email threatening to refer me to collections if I did not pay. 

After repeated back-and-forth over email and phone, XXXX recognized that the charge was fraudulent ( after I emailed their general counsel and threatened legal action ). They apologized, made a note in the account, and promised not to refer me to collections. 

On XX/XX/XXXX, I received an email from Cedars Business Services attempting to collect this debt on behalf of XXXX ( which has since ceased operations in the US ). 

I provided Cedars with the email correspondence from XXXX with XXXX. Although the amount and transaction date match the purported debt that Cedars is attempting to collect, Cedars tells me that the account number is different and that they will need to investigate further. 

I am hoping that you will be able to help me have Cedars drop the current collection effort. Thanks in advance for anything you can do. I'm attaching my correspondence with XXXX from XXXX and with the Cedars agent from yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2018-04-19
Company: Experian Information Solutions Inc.
State: OH
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 disputed multiple inaccuracies with experian that they have claimed are verified. Experian has failed to reply to my requests to obtain their method of verification on multiple occasions and instead started reinvestigations. When requesting how the inaccurate acounts were verified I was told experian will not divulge the names of their vendors as this is proprietary information. After multiple disputes to resolve the issues experian sent notice they will no longer dispute my accounts without any new documentations. Experian " verified '' accounts in a dispute filed on XX/XX/XXXX and again with new documents submitted on XX/XX/XXXX. Included in these disputes was a collection account that I had no recollection of and was not able to be verified and has since been deleted along with an account labeled, XXXX XXXX that was previously deleted and then resubmitted without any notification. I filed a complaint with the XXXX  onXX/XX/XXXX and a 2nd notice was sent by the XXXX on XX/XX/XXXX and Experian responded that the data furnishers were contacted and verified the accounts. Experian relayed that I must contact the original credit furnisher to further dispute anything. I have contacted the city court associated with the public record as well as the creditors who agree it can not be verified and should be deleted. I called the telephone number ( XXXX ) XXXX   attached to the chapterXXXX  I'm disputing to verify or dispute as suggested numerous times with no answer. It appears to be a cell phone. Experian says in the XXXX  response the court may not report the data but a vendor collector gets records on their behalf. They will not provide the names of their data collectors. On experian 's website for public records they claim their source is the administrative office of the courts and more than 1,200 state and county sources. I'm at a loss of my next action as experian now refuses to reinvestigate. Without this information which is required under FCRA 611 ( a ) ( 6 ) ( iii ) and FCRA BILL ( a ) ( 7 ) which requires they respond with a valid method in 15 days from request.

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 2022-12-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies XXXX, Equifax, and XXXX are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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 have disputed multiple times incorrect/fraudulent information that has appeared on my XXXX  /Equifax credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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 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 2019-01-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
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 took out a personal loan with Santander Bank in XXXX, XXXX. On XX/XX/XXXX I called to make payment. I paid {$180.00} ( amount due from XX/XX/XXXX ) and was told since payment was made on XXXX it would not be reported as delinquent by the person who took the payment. She also verified this with her colleague in a different department. 

I am now being told this will be reported which conflicts the information given to me at time of payment. 

The company has records of phone conversations and while they apologized for the wrong information given they refuse to correct with credit bureau ( s ) Conf # for payment made is XXXX I spoke to several individuals, XXXX XXXX from the executive Office- XXXX has been the main point of contact.

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 2022-12-09
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I sent to the CFPB a complaint on Credit Reporting. XX/XX/2021. Everything has to do with Wells Fargo. The CFPB has to initiate a standard of protection to the Home Owner at no fault of their own, due to Wells Fargo error, Foreclosures are basically a scam and the only ones who profit are Foreclosure Attorneys and their Mills and the Banks. 

Please review the info I sent today. The other company I mentioned are HOA 's and the Management companies they hire and they are growing in numbers and in strength. They used to be good years ago not anymore. 

What if a bank has one bad loan officer and scams the victims with out knowing it until it is to late. 

My present bank, I spoke with an employee who used to work for Wells Fargo. I told her you don't know me but I was with Wells Fargo and was informed of a certain loan officer who was not suppose to be trusted. I mentioned her name. She informed me, " I heard the same. '' Does Wells Fargo instruct their loan officers to deceive people? 

In the middle of a major dispute with Wells Fargo 's attorneys. My soon to be ex attorney will dismiss himself which saved me the trouble of firing him. He did absolutely nothing. No meeting. Nothing. No counter claim. Nothing. 

My request to CFPB that all foreclosures especially with Wells Fargo, will be mediated with a law clerk with some form knowledge of contracts or some form of fraud. Wells Fargo, breached the contract by posting my payments on the wrong account. Not applying more to principal. Opening an account which I never applied for. The list goes on. 

The number one issue when CEO XXXX said, " There was a glitch in the computer mortgage program '' How can anyone know what that glitch was. How much Wells Fargo profitted along with Foreclosure Attorneys and their Mills from that glitch. 

It will be up to CFPB and DOJ to stop foreclosures and have mediation for those who feel they were truly a victim of Wells Fargo 's Fraud. 

A Criminal Entity.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed that there are lots of accounts on my credit I am not responsible for

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 2022-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EXPERIAN. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX I do not accept your offer of a Bident-Harris loan federal loan forgiveness in which is illegal in this case because the federal consolidation was terminated XXXX by the U.S Department of Education General Counselor . ( 2 ) The Biden-Harris federal student loan forgiveness plan is for federal lenders XXXX your federal consolidation loan was not orginated from a federal lender. ( 3 ) The U.S. Department of Education does not own the federal consolidation loan. ( 4 ) The borrower for Biden-Harris federal student loan forgiveness have to apply and I did not apply for a federal student loan forgiveness plan. I do not need a federal student loan forgiveness. ( XXXX ) XXXX remove my I dentity from a Biden-Harris federal student loan forgiveness because it consist of your fraud. XXXX do not apply my name on any document without my consent. XXXX you are not my student loan servicer. XXXX the U.S. Department of Education wrote XX/XX/XXXX for no student loan servicer to service the federal consolidation. XXXX the federal consolidation never had a a federal lender and was rejected by the U.S Department of Education General Counselor XXXX XXXXXX/XX/XXXX before your fraudulent Biden-Harris federal loan forgiveness in which I did not consent nor applied for. The XX/XX/XXXX termination of federal consoldation loan still stands. XXXX immediately remove my identification from your fraudulent Biden-Harris federal loan forgiveness in which I did not consent and you have no authority on this federal consolidation. XXXX I repeat you are not my student loan servicer and if you have any problems XXXX send your Agreement between the U.S. Department of Education for XXXX to service the federal consolidation loan

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 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 noticed a credit card account from Bank of America on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with XXXX report number XXXX on XX/XX/2022. Bank of Americas response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through XXXX report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called Bank of America directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of Bank of America. I would appreciate any assistance you can give me

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 2019-01-09
Company: FBC MORTGAGE, LLC
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: Account information incorrect

Complaint:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX XXXX in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXXXXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The XXXX XXXX XXXX has not had good standings with the XXXX  and most of the bad complaints are like mine in that the XXXX XXXX XXXX is persecuting people for debts not really owed. 

XXXXXXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the XXXX XXXX XXXX it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged {$120.00} in fees due to a mistake or intentional misinformation by the bank and was told that those fees are not refundable. 

I opened my checking account in person at Bank of America XXXX of XXXX. I was told at the branch that I will be given a student checking account with a fee waiver. However, I have just discovered that the account that BoA gave me, which I thought and been promised to have a fee waiver, have been paying a XXXX XXXX  monthly fee for the past 7 months. I contacted the BoA regarding this issue XXXX XX/XX/XXXX around XXXX ) and was notified that my account doesn't have a fee waiver and was not setup as the student account that I was promised at the branch. They fixed the account type and gave me the fee waiver. However, only 2 out of 7 monthly fee instances were refunded.

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 2021-06-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It has been over 30 days since I submitted complaint with the credit bureaus and I have not received a responds.

Company response to consumer: Closed with explanation