BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXX Bank and Portfolio Recovery Associates. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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:
# XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX - Alleged Closed Account The above items are not recognized as not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Disputes with XXXX XXXX XXXX  XXXX is denied 10 times with Experian this account is closed as of XXXX the XXXX XXXX  with XXXX balance and I cant apply for a credit card because of this account and second a dispute of XXXX XXXX the block was rejected by Experian and I was unable to upload my ID on there website And finally a account of XXXXXXXX XXXX XXXX XXXXXXXX dispute was rejected by Experian I send in supporting documents on these account and I wish they get removed off my credit report this is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for XXXX funds through the State of Indiana. Community Loan Servicing has been provided this knowledge at least 5 times. They are requiring me to make a decision to accept or reject the Modification offer before I have an answer on the XXXX application. They are telling me I will lose their Modification offer if I don't give them an answer. However, based on my research one should not be dependent on the other and even if I do get funding from XXXX, I can and should still be offered the Modification. Community Loan Servicing has been less than compassionate and their communication is horrendous resulting in poor customer. Service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain accounts in my XXXX resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit XXXX that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me.XXXX XXXX XXXXXXXX XXXX .... and XXXX 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 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 




15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, 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 sent a certified letter in the mail at the end of XX/XX/XXXXupdating my one name and my one address onto my credit report, which has not been updated. I also disputed online, but when I try to check the status of my results one of the questions I am getting to verify my identity is asking me about a mortgage loan that was taken out in XX/XX/XXXX of XX/XX/XXXX. I have NEVER EVER applied for a mortage loan so I of course hit none/non applicable, ensuring the rest of my answers to the verification questions are correct, but I am still unable to log in or view my recent dispute results, based off of that question. Im confused because there is not a lot of credit related things listed on my Equifax credit report yet Equifax  is the only bureau I cant access through their website. I call and Im waiting for umpteen and a half hours to try to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple Accounts on my report I do not recognize

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor, XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : FXXXX XXXX XXXX XXXX 

Also I found a few inaccurate addresses as well.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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 2023-12-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went in with my XXXX  to the Truist Bank Branch at XXXX XXXX XXXX XXXX, FL XXXX to remove my XXXX  from a secondary account holder and add her as beneficiary. We were both there to sign the necessary papers. XXXX XXXX the service representative, told us that we couldn't modify the existing checking account. 
She said we either close that checking account and open another with me as the account holder and my daughter as beneficiary or we could leave the bank and close the account. I was forced to open another checking account and my XXXX  was listed as beneficiary. Then she said she couldn't give me in writing that my daughter is a beneficiary. She said that information is internal. This has been the worst experience of my life. 

I have a very old checking account that has many benefits that I am not willing to loose. I left the old checking account with {$100.00}. The new checking account I was forced to open I withdrew the funds and only left {$6000.00}. I am not very happy with this bank. This bank needs to give their customers a copy of the signature card were the beneficiary is listed. That information is not internal. The customer needs that information for their records. Also, I didn't want a new checking account. I wanted to modify my existing old checking account and list my daughter as beneficiary. I have gone to many other banks to inquire about this and none of them treat their customers like this. I'm XXXX XXXX XXXX shame on you Truist Bank. This is elderly abuse. 

XX/XX/XXXX XXXX XXXX filed a complaint on my behalf with Truist and the way they do business. I put another complaint with the supervisor about XXXX XXXX the service representative. XXXX XXXX is very rude and shouldn't be dealing with the public. She needs listening skills. 

XX/XX/XXXX I went to XXXX XXXX the supervisor at the same Truist branch for help on my old account she sent an email so my daughter could be removed as secondary account holder and listed as beneficiary. I also requested a copy of the signature card. 

XX/XX/XXXX Truist answered her email and refused to modify my old checking account. They gave XXXX XXXX the supervisor the permission to give me a copy of the signature card. How ridiculous, what I went thru to get a copy of the signature card. 

XX/XX/XXXX I received an email from Truist Bank so I can rate the service I received. 
I gave them the worst rating possible. Then I put my phone number so they can call me. From the first complain to this one I have yet to receive a phone call. 

Please help me. I'm XXXX XXXX XXXX. I've had this checking account for almost XXXX  years. I don't want a new checking account. I want to modify my existing checking 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 2018-02-14
Company: Experian Information Solutions Inc.
State: FL
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:
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

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: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were behind in our house payments by about {$9400.00}. We took advantage of the XXXX  program in the fall of XXXX, that President Obama had just started. The XXXX program assists in getting you caught up to current. Then they assist you with a monthly amount for 3 years. After that you are to stay current with your payments for 5 years, and then the loan is forgiven and you get the lien release. Because of unemployment, in the summer of XXXX, we got behind by 3 months. The XXXX allows for a 2 month skip. HUD wants us to pay back the full amount of {$32000.00}. The break down assessment that HUD sent us showed the 3 years of monthly assistance, and the amount that our lender, TCF Bank  charged. I do not have an issue with paying back the monthly amounts of assistance, but there is a {$22000.00} amount form the lender that does not have break down. I have been in contact with HUD, but they have bot been able to get any answers fro TCF. I also have tried contacting TCF and their response to me was that their records have been deleted because of the length of time since we started the XXXX   program. I am not sure why HUD does not have that {$22000.00} break down. We would like to take advantage of the current low rates, but can not until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

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 2023-12-16
Company: EQUIFAX, INC.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I open my account there was no fee but then they started charging me {$10.00} if money not getting deposited into my account over {$500.00}, but I end up transferring {$500.00} in the account and I'm still charged {$10.00} a month.

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 2023-10-12
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: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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