BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent in my FTC report to Transunion on XX/XX/XXXX by certified mail. The letter was received on XX/XX/XXXX and signed for by a XXXX XXXX. I was informed to send in my FTC Fraud report and verification documents along with my letter. I called XX/XX/2021 and was informed that some of the inquiries were deleted and others remained. This was a XXXX  lie!! They received my information and are stalling me. I will attach the letters I sent to Transunion along with proof of delivery. The representative told me they probably lost my documents. This is unacceptable. I have listed the inquiries below. 

1. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 2. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 3. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 4. Inquiry Unauthorized XXXX Date of Inquiry : XX/XX/2021 XXXX. Inquiry Unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I stopped working with XXXX as he was just taking my money from credit card account but nothing being done? On second thought maybe that was a mistake as Wells Fargo will not really be representing??? me if i end up in court. 
I can not go back though, I just want to start paying which i request over and over. XXXX XXXX ( Exec Support Specialist ) who is in the department they told me to contact. ) He was very helpful ( to move my court date to XX/XX/XXXX ) but i guess that did not do anything to get me start paying on my mortgage which i want to start paying on now!!! 
I guess now i go to court on XX/XX/XXXX which will be rough. 
Any suggestions? 
Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Diversified Consultants, Inc.
State: MD
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 written by US Mail and made numerous phone calls to have information corrected and updated on my credit report. I have notified the collection agency as well as all three credit reporting agency 's with proper identification along with a copy of my social security card. I've never applied for or authorized anyone for any kind of service at XXXX. The information that I have received from the past, XXXX, XXXX  and XXXX XXXX have not physically verified this inaccurate information, collection companies verbally reported information to the credit bureaus as verified. This reckless reporting tactic from the collection company as well as credit bureaus has cost me a great amount of hardship during my search for employment and seeking a government security clearance. This debt of {$1500.00} does not belong to me, I will be consulting with an attorney for possible damages caused by the inability to obtain employment pending the out come of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is still reporting, that I'm paying on that account, I have not paid on this account for 6 or 7 years, I am asking that you remove it from my 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 2023-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX was notified of a debt collection from XXXXXXXX XXXX  in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by XXXX and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Specialized Loan Servicing that they have cancelled my home insurance policy because I have no proof to show them evidence that I updated my insurance. I have called Specialized Loan Servicing since the XXXX of XX/XX/2022 and talked to their agent regarding that I have an updated proof of my home insurance that I got from XXXX Umbrella insurance that has been effective since the XXXX to XXXX. I have been told by different agents that they have received my updated policy and different agents told me they havent on their data base system. I have been transferred several times by an escrow department and waited for over an hour for an agent to reach me back. An agent told to email my updated policy insurance to XXXX or go to : XXXX. I have been sending them documents every week and keep checking on the status if SLS department received my updated policy. Unfortunately, no response. I have been ignored for weeks. I have been checking my emails and no reply back from them for weeks. I decided to write the XXXX XXXX XXXX XXXX, The Federal Trade Commission & the Consumer Financial Protection Bureau for not being lacked not replying back to me and being transferred to different departments that they can not answer my question. Different agents said they got my updated insurance policy and some agents said they havent. I dont know who is telling the truth to me, but it frustrates me that I got the mail today that they cancelled my policy and noted : Return Insurance Refund I have taken a photo of this paperwork that I received from them in mail. I am a U.S. Veteran, a business owner, a XXXXXXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, and a XXXX XXXX Degree holder. I Have never been humiliated by this Specialized Loan Servicing for not helping me out when I emailed them several times on my XXXX Umbrella Home Insurance. Please investigate on the agents who took my call and please investigate why they cancelled my home insurance policy when its already been updated through my military insurance. 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 2021-06-29
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything

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 2020-03-12
Company: Experian Information Solutions 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:
I'm a victim of identity theft I filed a police report and sent to all credit bureaus Experian, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my Experian credit report this is fraud then recently it was put back I dispute and was not take off. XXXX XXXX XXXX original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or Experian please help resolve this matter. 

Thank you 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
In the past 6 months money has been taken out of my account several times by an unknown merchant the first time the bank credited me then took it back and it kept happening they kept not reimbursing me and said they believed it was me or a friend who used my card but I dont have friends like that where I live because its too expensive for most people to live here and I rarely leave my house I do my shopping ect, online it feels like my card was cloned or my information of my phone or computer.. either way it felt like no matter how many times I hit s new card the charges kept happening every other month it seemed then I changed my pin after like the third time and so far it hasnt happened again my feeling is that several people I know and websites stated that Wells Fargo had experienced a data leak.. I feel like I was a victim from their poor security.. every time I reported it ( the merchants name was pai iso and if you XXXX what that is and why am I being charged for it theres hundreds of not thousands of others who dont recognize the merchant and feel scammed ) my bank never believed me or had my back with financial reimbursement I just feel like they owe me ..especially with everything thats happened with Wells Fargo in the last few years so if yall can help I would greatly appreciate that Thanks 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 2021-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AR
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 am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-03-12
Company: AES/PHEAA
State: SC
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:
On XX/XX/XXXX, it was brought to my attention ( through the financial services office at the University of XXXX at  XXXX, where I had applied to work on a second XXXX XXXX XXXX ) that I had a loan in default status in the National Student Loan Data System.

Upon checking at studentaid.gov, it was confirmed that the XXXX  Loan was, in fact, in default. This Loan had been reconverted into a grant on XX/XX/XXXX, and so could not possibly had been in default. I contact FedLoan Servicing, the servicer of the grant, and spoke to " XXXX  '' through email ( XX/XX/XXXX, at XXXX XXXX  ), who informed me that this was an error with the NSLDS, and that I needed to contact the Department of Education. I contacted the Department of Education ( XX/XX/XXXX around XXXX XXXX ) and was informed that the Department of Education could not update the status of the loan, and that I needed to contact FedLoan to have the status corrected. I contacted FedLoan ( XX/XX/XXXX at XXXX XXXX  ) and spoke to " XXXX '', employee # XXXX. XXXX informed me that it was, in fact, a mistake on the part of FedLoan, and that the status would be updated by the end of business that day ( XXXX XXXX EST ). I checked the status again studentaid.gov at approximately XXXX XXXX   to find that the " loan '' was still listed as " in default ''. I then called FedLoan ( XX/XX/XXXX, XXXX XXXX ) and spoke to " XXXX '', employee # XXXX, who stated that she could not help me, and that she would transfer me to the XXXX  department. I was transferred to " XXXX '', employee # XXXX ( XX/XX/XXXX, XXXX XXXX  ) who stated that FedLoan could not update the status, and that I needed to contact the Department of Education in order to get the matter resolved. As I had already contacted the Dept of Ed earlier that day, and was told that FedLoan needed to update the status, I believe that I was given the " runaround ''. I am an XXXX of the XXXX XXXX XXXX, and as such am subject to XXXX  South Carolina Code of Laws Title 59 - Education Chapter 111 - SCHOLARSHIPS Section 59-111-50. Therefore, this matter being unresolved could  be the end of my career.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AL
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 have disputed unauthorized inquiries on my credit several times to Equifax and the companies who did the inquiries with no luck getting them removed. I have explained that I am a victim of identity theft and submitted an FTC report to back it up. Equifax refuses to remove the inquiries on my credit report that I did not authorize. 
The following inquiries are fraudulent and show the action taken for each XXXX : XX/XX/XXXX XXXX XXXX  XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX  XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX ALLY FINANCIAL Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX CAPITAL XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed XXXX NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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:
Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.

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