BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted this complaint to Equifax Information Services XX/XX/XXXX and it was received on XX/XX/XXXX per tracking # XXXX XXXX XXXX XXXX XXXX Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX / XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax Information Services furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-19
Company: Simon's Agency, 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: Information belongs to someone else

Complaint:
I have tried to reach Simons agency to have them tell me what this could be for. I didn't get any communication before it showed on my credit report and I haven't received and after my attempts. I have no knowledge of this and do not accept this as my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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:
XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX  account # XXXX has violated my rights. 

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 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. 

There are many inaccuracies within my consumer report. See enclosed attachments

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 2022-04-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I went on a forbearance program offered by the current bank US Bank in Texas. In XXXX, I was ready to come off forbearance unto a COVID-19 Veterans Assistance Partial Claim program they offered. I was approved and was to send the signed paperwork back but there was trouble getting the documents back, So i had requested another packet. Because the packet was late, the claim went stale and they won't approve me for the plan they promised over simple paperwork. I am in Florida and they are in Texas and not communicting with me. I am a XXXX veteran and a resident of this home for 8 years. I have a family and creatures and ready to make payments on the plan they offered. I have complied with all request they have sent me in the mail requesting documents, but i can not get ahold of anyone who has any idea whats going on. Please help me. Thank you.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
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:
I send information to Experian thru cfcb and they closed the case without fixing it submitted on XX/XX/2022 and I am seeking a XXXX per violation

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 2022-01-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a fraud dispute to Experian in XXXX after a few weeks the results came back verified. I called XXXX from Experian who's in charge of my file, asking what documents were shown to Experian that warrants the account verified. He claimed to me that all he can say is that the account was verified electronically. It is now 2022 we all know the way the credit reporting agencies dispute a consumers dispute. XXXX Continued to claim that he can not share how the dispute was verified and that the account holders word has more power than mines XXXX XXXX Experian 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 2018-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX wellsfargo been colecting data for modification for my mortgage.having me resend documents since that time. now they denied me because they said i make XXXX dollars ma month. however they have a statement from social security that that not sustain employement i work 24 hrs a week. when there is five week in the month like this XXXX i do not have a check i have sent them my bills from this month for repair of the home plumbing water damnge ; roof which added up to a additional XXXX a month.please do not have them call me until they check everything out. because what they do is call me and ask me when did i send this information to them and i will have to talk to asaleman for and hour for them to find out its the truth. i want them to get of they XXXX DO THE RESEARCH BEFORE THEY CALLME THE SOCIAL SECURITY AND EVERYTHING THEY HAVE ALL THE INFORMATION THEY NEED. they have receipts for over 4.000 dollars i had to spend fromXX/XX/XXXX through XX/XX/XXXX what  they did was add up social security checks that i want receive sometime but most of the time and my 24hr a week wich social security says not sustain income remember i writing you because they will call and i have to stay on the phone for1hr while they look and say they dont see that info then finally say oh i see it now. so before they call with they salemanship look before you call i am XXXXyrs old and i honestly have never seen company this bad there is no customer service. also i waiting on when they are going to put mortgage in my name for credit purposed. thats it foks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( Transunion ). The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from XXXX XXXX is not mines.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation.

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 2022-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was incapacitated due to XXXX then while in hospital XXXX was discover. My USAA credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to XXXX XXXX  XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX XXXX XXXX.USAA stated they can not bring account back to them without XXXX XXXX authorization to enroll in program and XXXX XXXX will not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian, XXXX XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
Experian, XXXX XXXX and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage 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 explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  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 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2023 Walmart+Membership is deducting {$12.00} from my Capital One account ( ending in XXXX ) each month and I DO NOT HAVE A WALMART ACCOUNT XXXX Deduction is on XXXX of every month. 
I have called Capital One and WXXXXXXXX to dispute this auto-charge to XXXX XXXX When I call XXXX they can not match my email with the bank account ( XXXX ) that the money is coming from. 
I am getting robbed each month and there seems to be nothing I can do about it. I have contacted Walmart by phone and by letter. 
At this point, my only option is to cancel my ( XXXX ) account and issue a new card so that this charge can not be deducted any longer, which will be problematic because I have other legitimate charges coming out of this account. This is not good business. I know they can trace where this money is coming from. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: AES/PHEAA
State: WA
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 currently qualify for XXXX  student loan forgiveness, but have not yet met the 5 year mark. With this in mind, I applied for XXXX  student loan forbearance through FedLoan Servicing. The first application had a small error, but took the company 6 weeks to review the application when their own website states that application usually take several days, but will be handled in 10 days. The second, revised, applications currently being reviewed is still processing at 5 weeks. 

I have already qualified for forbearance in past years. FedLoan seems to be waiting as long as possible to review applications, knowing that they will collect payments that would actually be forgiven ( essentially making money on top of money ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This formal dispute letter is written in connection with violations committed by both the Transunion and XXXX credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally. 
3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since 2016, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over 30 days ago I sent a late payment dispute to all three credit reporting agencies, and I have to get receive a response of the INVESTIGATED REPORT. My report was updated as accurate without providing to me any proof. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 15 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX XXXX debt amount {$930.00} XXXX XXXX XXXX XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.

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