BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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:
XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Experian is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.

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 2021-06-22
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent TransFinancial Companies, LLC a Certified Letter asking for them to Validate a Debt. The company failed to Validate my Debt, instead they sent a list of my Medical Records which I know is a direct VIOLATION of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my 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 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, Bank of America advised me that it would freeze my account if I did not renew my legal residence information in the United States. I provided them with all the documentation I could, but given the six-month delay between the period in which my temporary resident card expired and the date they finally granted me the definitive one, they have frozen it. Six months later, in XXXX, I renewed my residency. I was able to continue receiving their services. 

In XX/XX/XXXX, I was trying to apply for a loan while changing jobs. In the process, I received a call that was set up as if it were from the Bank of American itself. It was for an account check to make the credit deposit. 

The call was fraudulent, but almost all my details were known, therefore, I believed them. By believing them, I gave my security number to the person who I believed was from Bank of America. It turns out that it was a fraudulent action that I was a victim of. As a result of something that I did not do, Bank of America opened an investigation. Only two things were communicated to me from that investigation in two different letters. In the first letter they communicated that they were opening the investigation and that they told me that it would be inoperative in the meantime, that there was nothing I could do with the account. In the second letter, they communicated that they were closing the investigation and that my account was going to be closed. Subsequently, I did not receive any more letters or responses. When calling the numbers provided in the letter, they only told me that they could not give me more information. 

I personally went to the office closest to my work. There they told me that I owed XXXX dollars ( approximately ) on my credit card. They never told me what to do when I closed my account. However, they did report to the credit bureaus that they closed my account and used the word CLOSED in the XXXX  report. In the XXXX  report they detailed this> Maximum Delinquency of 30 days in XX/XX/XXXX for {$58.00} < It was my only bank account Consequently, I had to open another account at another bank. But the consequences were terrible for everything else because if a checking bank account, I lost the way to pay for the car, I lost many job opportunities, I lost the way to hold my credit cards. If you look at my credit history you will see that I am a XXXX XXXX. I have a large bill to pay and I want to pay and thanks to this series of events, I have fair credit. I think it is not fair for 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 Number : XXXX Account Name : XXXX  XXXX XXXX L Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-01-13
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:
This is my other 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 CO XXXX XXXX - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX A XXXX Balance {$1500.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX 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 2022-10-19
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called about my first refund request on XX/XX/XXXX and have seen people who put in get theirs way after me. Reps have told me different things. I was told I was on the old system so the one guy I talked to said they changed it to a new system and would probably better to resubmit. But then told me I'd have to wait maybe another 60 to 75 days. I don't understand why I wasn't informed of that earlier. Either way I want the refund to come before XXXX or next year. I've already been waiting at least 50 days before I had to resubmit my request. I resubmitted the new request on XX/XX/XXXX. They said they recommended I resubmit with the new system. Either way this is ridiculous. I'm with great lakes servicer. My account ID is XXXX. The last payment I made was XX/XX/XXXX for XXXX and the reference number is XXXX. Please help me get this solved. I feel the us department of education should also be contacted about this issue which I've tried and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: DE
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 submitted a letter to the Experian Credit Bureau last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-02-05
Company: Experian Information Solutions Inc.
State: MT
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:
XXXXXXXX XXXX XXXXXXXX {$500.00} closed # XXXX XXXX XXXX {$300.00} Paid in full # XXXX XXXXXXXX XXXX  account closed # XXXX XXXX XXXX {$1000.00} account closed # XXXX XXXX XXXXXXXX XXXX XXXXXXXX had XXXX  in hospital {$650.00} XXXXXXXX XXXX XXXX- Account closed and its been 7 years # XXXX TXXXX XXXX XXXX XXXX Account closed and its been 7 years # XXXX XXXX XXXX XXXX - this is not my account 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 2023-01-25
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Due to the the response of the initial investigation of the 3 major credit bureaus, I'm now demanding the Method of Verification used in the investigation of the following re disputed accounts within this writing that's now being disputed again. It is my rights, my consumer rights to know the details of the investigation. What is the name of the employee who investigated this, what's their title and whom did they contact and how. What physical certified documentation used to substantiate these accounts. If you or your company can not provide such information in a timely manner then these accounts shall be blocked immediately in accordance with the FCRA. Please remove these accounts inwhich is not mines, accounts inwhich I have no contract with. These accounts are fraudulently put on my report and I would like them block permanently and immediately. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$5600.00}, ( 2 ) XXXX   XXXX {$2800.00}, ( 3 ) XXXX XXXX XXXX {$2400.00}, ( 4 ) XXXX XXXX {$680.00}, ( 5 ) XXXX XXXX XXXX {$140.00}, ( 6 ) XXXX XXXX XXXX {$680.00}, ( 7 ) XXXX {$72.00}, ( 8 ) XXXX XXXX XXXX {$71.00}, ( 9 ) XXXX XXXX XXXX {$30.00}, please remove these accounts.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-05-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted XXXX Bank CEO XXXX XXXX several times to save our home. I have asked to work out a deal to purchase the house from the bank because I bought this home from someone and it is a nightmare for my XXXX XXXX XXXX mom and my XXXX grandkids. XXXX is referred back to Wells Fargo and Wells Fargo is saying that XXXX Bank is the owner the loan. All I want to know is what they will take for the house is needs a lot of work and the roof repaired.

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 2022-10-19
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: Personal information incorrect

Complaint:
I have unnecessary negative accounts on my credit reports that needs to be looked thoroughly at. False Info linked into bad account which is considered 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 2022-03-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from XXXX  without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said XXXX  there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however XXXX gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan. THIS IS A COPY OF THE ORIGINAL COMPLAINT XXXX, FILED XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

WAKEFIELD AND ASSOCI XXXX  Balance {$500.00} ; WAKEFIELD AND ASSOCI XXXX  Balance {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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:
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