BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for 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 explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-13
Company: Continental Finance Company, LLC
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a 30 day late notice on my XX/XX/XXXX payment from Continental Finance after successfully making my payment within the " CFC '' app. Once I received the notice, I called their customer service team and they informed me that I would need to send in a fax stating what happened and it would be reviewed/taken care of. I sent in a fax on XX/XX/XXXX and was told that it would take 72 hours to review the fax with a decision. 1 week went by and I heard nothing from the company. I then called back in and another customer service representative directed me to send in another fax because the initial one had not been received. I proceeded to send in another fax on XXXX. I followed up with calls and was told by 4 different customer service representatives that they would follow up with an answer. I never received a follow up call from the reps so I called back in on XX/XX/XXXX. on XX/XX/XXXX I was told that the fax hasn't been received and I would need to send in another fax. I am in the process of applying for a mortgage and this 30 day late is stopping me from getting good rates.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Go back in 2015 I was homeless I had nowhere to go and I had an account with Wells Fargo and they claimed that I use my account when my wallet and my car was stolen so I had no access to my account and when I tried to ask my account they told my account was being closed because of project activity that I did not do

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 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt of {$10000.00} has been posted on my credit report linked to a Saks Fifth Avenue Capital One account. I worked for Saks Fifth Avenue for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from Saks asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from Saks Fifth Avenue since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Total Visa sold an account under my name to XXXX XXXX. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. Total Visa claims that XXXX XXXX is reporting on my credit but under the wrong creditor name of Total Visa and not XXXX XXXX. I did not even know initially that XXXX XXXX bought the account. Please see attached letter from Total Visa detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from my house to another last year. Called and canceled services and paid the last month of service. I was unaware I was supposed to go to their store to drop off modem and router, we still have both. After checking my credit I found that XXXX XXXX has hired a company called Credit Management. Credit Management says that I owe them {$400.00}. They are saying that I owe two months of service along with 4 pieces of equipment, 2 routers and 2 modems, I explained that it doesn't even make any since why I would have 2 modems and 2 routers for the same house, and that I only have the one set. They told me that it's what charter says I owe and I can either pay it or not, up to me. This is what they told me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management keeps calling trying to collect a debt that is not mine. It is affecting my credit. I have asked them to validate this account, well over 30 days, and they have not done so yet. On my credit report, they state that this account was opened on XX/XX/2023. I have not opened ANY accounts in a very long time. I have asked them to send me paperwork with my signature and everything else that they have proving that this is my debt and they couldnt do it, but yet, they keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the account. It was opened without my knowledge, authority or consent. 


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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  XXXX CRED Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my 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 2023-06-14
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Tower Loan sent someone to my house in XXXX to place a letter on my door, this is trespassing. I called and spoke to XXXX ( Store Manager ) and told him I was having trouble paying my loan and DO NOT send no one to my house again, he informed me that he was in his legal right to come to my house whenever he pleased. I told him do it again and see what happens. I asked him not to call my employer or my family, Tower Loan continues to do so now it's harassment. I've filed a complaint with Texas OAG and now with CFPB. They continue to call my phone and my job. The employer is sick of it and so am I we about to take legal action due to harassment at a place of business. 

Today I will send a cease-and-desist letter priority mail to see if they get the point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit report that do not belong to me

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 2023-10-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus Equifax, XXXX and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: OK
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 am hereby putting XXXX on notice that they are negatively reporting information on my consumer report and I never gave them my written instructions to share my information with a non affiliated third party. 

The Gramm Leach Bliley Act states that a financial institution may not share any non public personal information with a non affiliated third party. A financial institution is also supposed to give the option to opt out of credit reporting. XXXX is sharing my non public information with Experian who is in fact a non affiliated third party. I never gave XXXX written instructions or gave consent for them furnish this negative information onto my report or share my information which is a violation of my right to privacy. And this has cause a privacy breach and has hurt my reputation by furnishing multiple late payments on my consumer report. Please see the attached letter for full 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 2023-09-14
Company: Experian Information Solutions Inc.
State: PA
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 have file numerous credit disputes over the past 5 year and have never receive and verification/validation of inconsistent and obvious contradicting information reporting within the reporting 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 2023-01-22
Company: EQUIFAX, INC.
State: KY
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 had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX I created a monthly recurring bill pay for {$140.00} to pay XXXX XXXX for a new life insurance policy. I tried to accomplish this on my checking account with TIAA bank. A few days later I looked and I see that TIAA bank has sent my payment to XXXX insurance which is a completely unrelated company. They sent an electronic payment to XXXX with my XXXX policy number. I called TIAA Bank and they said they use a vendor for bill pay and would file a dispute. The bill pay person called me and we called XXXX together spending at least an hour on the phone together. They bill pay person told me to ask TIAA to credit my account for the error. I waited until Monday XX/XX/10 to call TIAA bank but when I asked them to credit my account for the error they refused XXXX the error was the vendors fault. As of now my payment is lost and my account has not been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
2019
Overdraft protection  fees etc

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 2023-01-22
Company: Experian Information Solutions Inc.
State: KY
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 had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.

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 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Navy Federal, I hope this message finds you well. I am writing to address a concern regarding my account, as I believe there may have been an error on your end. Last year, I initiated a pledge loan for {$30000.00}, and at the time, the funds were present in my checking account. However, I have since noticed that the {$30000.00} has been debited from my account, and the pledge loan has been removed. 

According to your records, I now purportedly owe {$13000.00} to settle this debt. Given that I frequently engage in substantial financial transactions, including trading in cryptocurrency and stocks, I possess a documented history of such activity. I am uncertain as to the origin of this discrepancy. 

I am kindly requesting a comprehensive investigation into my account pertaining to the missing {$30000.00}. Should this matter not be resolved in a timely manner, I may regrettably be compelled to pursue legal action against Navy Federal in order to reclaim the funds owed to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received emails from Bank of America saying I opened a safebalance account but I never did that. I tried to contact Bank of America but the phone automation always asked for account access number which I don't have.

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 2021-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Around XX/XX/2020 I made a request to Equifax to remove the security freeze from my credit file so I may obtain a fair credit decision, but I've found out recently that the freeze is still on my files and I'd like to have this freeze permanently remove so I can establish credit

Company response to consumer: Closed with explanation