BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX a internet company by the name of XXXX XXXX CA charged {$910.00} to my stolen credit card number is there any action that I can take against this company you can contact me at the following XXXX or at the following ( XXXX ) XXXX or ( XXXX ) XXXXThank you for your assistance in this matter.

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 2020-09-28
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance fraudulently increased my account balance with the credit bureaus without my knowledge three ( 3 ) times in 2 weeks causing a morbid drop in my credit score all while having good payment history and paying as agreed to my contract. When I disputed the charges, Exeter retaliated by increasing my account balance {$200.00} with credit bureaus causing a 105-point drop in my credit score ruining my purchase power. I was never made aware of the {$200.00}. Exeter does not keep accurate records and submits fraudulent information to credit agencies. Exeter Finance has violated their signed agreement as well as the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my fifth complaint with NCA. NCA according to documentation started reporting to credit bureaus prior to XX/XX/XXXX. I subsequently filed a complaint, which was closed with no action and I have never received anything via mail to allow validation or verification of debt.Based on your own admission, in the attached documentation, something was sent to me, however never received on XX/XX/XXXX. This is AFTER reporting had started and was not given written opportunity to request validation or verification of the debt. 

Laws have not been followed and my credit reputation has been damaged as a result. I have never been notified of this collection. As per the FDCPA, I have the right to request a validation of this debt prior to reporting and that was not done I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, or I am given in writing an opportunity to dispute you can neither continue collection activities nor report this information on my credit report. 

NCA has had several complaints and opportunities to provide proof of notification prior to reporting and has not demonstrated so, via 4 Complaints here and 1 XXXX  complaint. This is prof no notification of debt was sent prior to reporting in XXXX or sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: FinCo Services Inc DBA Current
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Monday XX/XX/2022 XXXX was taking out of my account with Current using my virtual card and used at XXXX. I have no knowledge of the charge and because current doesnt operate as a real bank or a decent mobile bank its hard to get any real answers. Today a rep XXXX which I have no idea if shes even a real person cause they dont have a phone number just support in the app said my XXXX kicked in, something I knew nothing about and never received a notification for but she said it was used. I believe someone from current stole my money cause theyre the only ones with access to my account other than me and knew about the overdrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed some negatively reporting items on my consumer report, around XXXX of XXXX. I spoke to a representative from TransUnion, and I requested validation of the negatively reporting debts. TransUnion sent reply on or about XX/XX/XXXX saying they did an investigation. The negative information remains on my consumer report. I was never contacted by TransUnion during this " so called '' investigation. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX  XXXX account XXXX for {$900.00} A XXXX XXXX  XXXX XXXX account XXXX for {$3600.00} A XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX  account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer 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 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Select Portfolio Servicing saying effective XX/XX/2019 they would be taking over servicing my mortgage. I was in the process of re-financing, which closed on XX/XX/XXXX. The closing payment was sent to my previous mortgage servicer on XX/XX/XXXX, and they had to wire the amount over to SPS. SPS didn't acknowledge the payoff amount until XX/XX/XXXX, and charged me for the 9 extra days of interest. 

This seems like a clear violation of RESPA, and in the transfer letter sent to me by SPS says : " During the 60-day period following the effective date of the transfer of the mortgage account servicing, an account payment received by your old servicer before its due date may not be treated by the new mortgage account servicer as late, and a late fee may not be imposed on you. '' Although this is not explicitly a " late fee '', they are charging me for extra interest because of the situation of my account being transferred which RESPA is supposed to protect me from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX not updating scores and i paid to see all 3 bureaus

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 2022-08-29
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
DENYING ACCESS TO CREDIT REPORT AFTER FILING COMPLAINT ALLEGING DISPUTE AS REASON FOR DENYING THE CONSUMER ACCESS TO THE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX ACCOUNT NUMBER NOT REPORTED Why isn't the account number being reported for this account? 
How can this account be reported as open and closed at the same time? Which one is it? 
What was the date of first delinquency for this account? 
Look at how you're reporting the payment history for this account. It is not only incomplete, it's inaccurate. I would have to be 30, 60 and 90 days late first before I could be 120 days late. 
This has caused me to suffer and its defamation of my character.

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 2021-02-27
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a major medical issue that required extensive surgeries and treatment over 18 months. During that time I fell 2 months behind and was in the process of a modification when the Mr. Cooper rep talked me into changing from a modification to a forbearance. ( I was doing modification in XXXX XXXX and covid hit in XX/XX/XXXX XXXX I took the forbearance because they said I could not be in 2 programs at once and I really didn't know how bad the covid thing would get. I was on a forbearance until XX/XX/XXXX and I contacted them in XXXX XXXX to start the modification process again. Now they say the only option the can give me is to pay XXXX in full to catch up or short sale my home or a deed in lieu and have denied me for both a modification or a deferment of the covid year forbearance. I have $ XXXX in equity, now that I am back to work, I am back earning more than enough to pay the $ XXXXmo mortgage payment and their 7.99 % " take it in the XXXX interest rate '', I have zero other credit card or loan debt. All I am asking is for them to tack the amount to the end and I will make payments while simultaneously looking for a new and more reputable mortgage company. They have lied and have told me conflicting information every single time I speak to them, it feels they make up rules as they go and I am done! I have been completely mislead and feel they are taking advantage of people and bad circumstances of medical issues and covid. My house has modifications and special features installed for my XX/XX/XXXX daughter. I have invested a lot of time and money to provide a safe and XXXX accessible features for my daughter. These modifications were made because of my intent to stay in my home with my daughter. I am not going anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-08-29
Company: FIRST HERITAGE CREDIT LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
New Manger discrimination against me about renewing my loan. I always make my payments on time and she was putting lies on my account so I can't get the loan request I ask for. I put in 2 request for the district manager to call me and he refused to call me also about the loan. The new manager at this location just didn't want me to get the loan because I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 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 2021-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I My Experian Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : Experian XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via Experian, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for Experian I should forward my documentation and request to fix any discrepancies for 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 explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank is the XXXX XXXX XXXX On the XXXX of XX/XX/2023 someone gained unauthorized access to my online bank account and attempted to transfer money to themselves at Well Fargo Bank. My bank sent me an alert of the pending transfer and we were able to stop it. 

The same individual using different address, but the same Wells Fargo Bank account hacked into all of my financial accounts along with Spoofing my Cell phone thereby intercepting the XXXX authentications that my financial accounts send out when I do online transactions. 

I was able so far to stop all unauthorized transactions. I also replaced my XXXX card in my Cell phone with the phone company so that it was no longer being Spoofed. 

My bank said I should file a complaint and talk with Wells Fargo Bank. I talked with the service rep for Fraud at Wells Fargo Bank. ( really a waste of time ). I explained what had transpired, to include the banking and personal information of the hacker. I recommended that they freeze this hackers account as he was stealing individuals ' money. While he could see the individuals account number I provided, he said he could take no action. If I had lost any money that my bank would work a dispute resolution with Wells Fargo Bank. 

In addition to the attached photo of the transaction the hacker name and email are ; XXXX XXXX Email XXXX. this individual switches the first and last name from transaction to transaction

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 2021-01-08
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020 I wrote dispute letters to XXXX, Equifax and XXXX disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation