BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2021-12-27
Company: Experian Information Solutions Inc.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2019-06-22
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 belongs to someone else

Complaint:
Mr. XXXX is the victim of identity theft/fraud resulting from XXXX Dept of Social Services and 42 U.S.C. 654 ( 3 ) or ( " Child Support Enforcement '' ) misappropriated his good name, likeness, image and biographical facts in order to achieve federal funding. The defacto agency unlawfully obtained and used his confidential and personal information in making a fraudulent account '' XXXX ''. ( " Child Support Enforcement '' ) and XXXX Law Dept or Corporation Counsel admonition before United States District Courts, willfully and wrongfully entered default judgment ; while Mr. XXXX was in the XXXX XXXX in violation of SSCRA Act. XXXX Support Collection Unit Supervisor XXXX XXXX, Collection Representatives Mrs. XXXX and XXXX XXXX, conducted an intrusive investigation into facts, through discovery affirmed XXXX Unified Court System ; Family Court of XXXX XXXX and Hearing Examiner ( Surrogate Judge ) XXXX XXXX XXXX filed a false petition, resulting in violation of SSCRA protected member rights and cause of damages to date. Experian negligentlyviolatedboth 1681e ( b ) and 1681iInaccurate credit reportsdirectlyimpair my banking and credit ; 1681g and 1681e ( b ) in violationsof Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) not permanently remove the fraudulent account.

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 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
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:
This is a follow-up to a complaint made on XX/XX/XXXX concerning XXXX XXXX, XXXX XXXX, Portfolio Recovery Associates, XXXX, and XXXX XXXX. I provided documents showing that I had a credit account with XXXX XXXX and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. XXXX XXXX wrote to advise me on XX/XX/XXXX, that it would become the owner of my XXXX XXXX account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my XXXX XXXX account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. XXXX XXXX did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. XXXX XXXX responded to my complaint by providing information to my XXXX XXXX account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the XXXX XXXX account would be funded by them, instead of XXXX XXXX, as of XX/XX/XXXX. Portfolio Recovery Associates claim to have bought the XXXX account, but XXXX XXXX claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX XXXX  explanation is woefully inadequate and needs further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: PMAB,LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical bills were paid off. This company tried to state I still owed funds. I showed proof it was paid off and it was XXXX off my report. Now they are coming up with another amount that is owed. You can check in the passed few months of what occurred to show proof that it has been paid. When I spoke to the company they were very rude about the situation and was unprofessional about resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach . Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company disconnected their TV services and continued charging me monthly charges even though I had already returned their equipments and did not have any contract with them. I tried calling them, but my cry fell on deff ears as they didn't want to hear anything from me. They are also very rude and non professional as they kept hugging my calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Account information incorrect

Complaint:
I review my credit report on the XX/XX/2021 from XXXX and TransUnion. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to XXXX and TransUnion demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.

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 2021-10-18
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I sent a certified letter requesting that the {$700.00} debt on my credit report be verified. It was not verified nor was it removed after 30 days of receiving dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This civil complaint HAS BEEN filed because federal laws were broken. The defendant owes {$10000.00} for violating my rights under the provisions of the Truth in Lending Act. Valuable information was not disclosed making the contract null and void. A consumer credit transaction was performed which included a Finance Charge. The Finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by a third party such as a down payment and should have included insurance and service. THIS INFORMATION WAS NEVER DISCLOSED. Wells Fargo is not holder in due course of the note, they provided a forged note, failed to provide the accounting of origination of loan, failed to disclose valuable information, and illegally collected a down payment on an extension of credit. They also violated provisions of the Fair Debt Collection Practices Act as well. PURSUANT TO XXXX XXXX I HAVE A RIGHT TO REQUEST FOR ACCOUNTING AND I WAS DENIED THIS RIGHT BY WELLS FARGO XXXX This took place between XX/XX/2022 and present day. The relief Im seeking is {$10000.00} in damages, removal of all encumbrances/liens from property, and cease and desist all collection efforts.

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 2021-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alleged debt was disputed several times .After 2 - 3 month Portfolio is listing this unverified debt back to 2 Credit Bureaus and refusing to verify the debt or provide me with correspondence related to their reporting activities. 
1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( B ) Collector must cease collection efforts until debt is validated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts above 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My wife and I are elderly consumers ( XXXX and XXXX  years of age ) selling our primary property which is currently under contract for sale. Upon receiving notice of the Title Commitment search from the buyers title company, It was discovered that my title had an open Lien for a Home Equity Line of credit which was never used. Said lien was with Suntrust Bank f/k/a BB & T and n/k/a TRUIST XXXX My wife and I Immediately contacted Truist Bank and personally went to the branch on XX/XX/2023, and Spoke to XXXX XXXX XXXXBranch Leader at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX On that date XXXX XXXX assured us that he will request a Lien release with the appropriate Dept to resolve the issue affecting my title. On XX/XX/2023, we visited the branch this time with my realtor and Legal representative to help us and assist us with the pending title issue, and again met with XXXX XXXX who further assured us the bank was processing our request. Every week since my last visit ( on XX/XX/2023 ), I have been following up with XXXX with no valid answers. On XX/XX/2023, my attorneys office Email XXXX XXXX for a follow up with no replies to my attorney. Furthermore, on XX/XX/2023, we called customer service and after being transferred too many times to count, we finally spoke to someone in the Lien Dept XXXX XXXX ) who advised us our request was never made from the date we first visited the branch on XX/XX/2023. The negligence of XXXX XXXX on behalf of this Financial Institution has caused us a great deal of Inconvenience to my wife and I whose health is in a decline status. This issue has debilitated us every day we dont receive a valid response from TRUIST or Its Employees. 

Liability is clear in this matter. Truist Bank must CLOSE OUT the LINE OF CREDIT under Suntrust Bank and issue us a SATISFACTION OF MORTGAGE Immediately as a full month has passed us by to no avail. 

I am disappointed, frustrated, and lied to by Truist, XXXX XXXX and TRUIST employees. 

I demand an Immediate response before I seek legal action. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Truist Client

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 2023-10-19
Company: DISCOVER BANK
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX my wife  had XXXX my bill was due on XX/XX/XXXX. I have had perfect payment history on all my bills credit over XXXX never been 30 days late on any credit card. I got an alert text from Discover that my bill was due on XX/XX/XXXX I went in made a payment and it cleared on the XXXX for XXXX dollars well over the minimum due. I did not realize I was ever late on my credit card I got an alert from XXXX XXXX  that I had missed a payment. I immediately called Discover Bank they said I missed XXXX and that I paid on the XXXX of XXXX I was considered 60 days late. My credit went from XXXX to XXXX. I apologize explain to what happen they said sorry to hear that but there is nothing they can do. I have an opportunity to work at XXXX as a XXXX XXXX however my minimum credit score has to be XXXX now I will be losing this great opportunity because of this miss payment on my credit. I offered to fully pay in full they said they can not do anything. I told them I read up they can do a Goodwill Deletion they refused completely to help me. I do not know what else I can do. This really hinders me and cost me my partnership with XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: TN
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i reported fraud XX/XX/XXXX as well as recently in XXXX and XX/XX/XXXX. I have just recently discovered that i am a victim of identity fraud/impersonation/theft as well as a victim of sim swapping/hijacking on all accounts pertaining to myself online and offline even my mail. i have reported it to the sheriff and police. i have went in to wells fargo various times inquiring about checks being cashed and missing transactions, statements ewithdrawals, edeposits, international transfers, check cards, online bill pay, online statements, spending reports, my name not being correct, why the states have xhanged and are different, why myaddress was changed, signaturea to who has power of my account since im not the primary when i have never given anyone permissionto be on my account etc in which they have gaslighted me about all of thisand have not allowed me to close my account in the past which i tried to many times last year and this year to do so as well as refused to answer my questions and not printing out the fraud reports that i have already made prior to going in as well as recently. in which the suspicious copy pasted statements they wells fargo printed me are missing dates transactions etc resulting in them having suspicious behaviour to a point as when i went to show proper documentation of the fraudelent activity for XXXX plus years that has been going on without my knowledge XXXX banker lunged and grabbed the paperwork and wouldnt let go, they had me close my late mates account after XXXX years in XXXX XXXX which doesnt make sense because i tried to close it when he died prior to all of this in XX/XX/XXXX XX/XX/XXXX and they wouldnt let me and even now they still wont give me answers. then they decided to forciably close my account and denied my own access to get into my own accounts weeks before they decided to closed it. to which they are hiding something because the statements they gave to me are not mine or accurate. which has resulted is financial problems directly relating to my accounts that were on autopay. to where this is causing severe mental anguish.

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