BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-12-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-07-11
Company: Experian Information Solutions Inc.
State: MD
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:
In XXXX, I was applying for a home loan, and the loan officer noticed a collection on my account. I was required to pay the account. I contacted XXXX XXXX XXXX, and agreed to PAY the Debt in Full if they would remove it from my credit report. Therefore, I paid the debt in full, and received a letter stating that the information would be deleted from the consumer bureau reports. In XX/XX/XXXX, I decided I wanted to refinance my home, and I was told that I needed to increase my score. I decided to request my credit report. I requested my credit report and I saw that XXXX XXXX XXXX collection item was still on my credit report. I contacted XXXX XXXX XXXX  and I was advised to contact and dispute this item with the Credit bureaus. They stated they have already provided me with the letter. I submitted the letter, and the email to all three credit bureaus. XXXX  deleted the item from my credit report, but Experian insists on leaving it on my credit report. I am still waiting on a decision from XXXX, but my issue is with Experian. I have provided Experian with a Pay for Deletion letter from XXXX XXXX XXXX XXXX, and the email that the company sent. Experian states that this item will remain " The information has been verified as accurate ''. They disregarded the letter, as well as the agreement I made with the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage refuses to set up an escrow account. I sent all the information requested. Each time I follow up they ask for the same information again even though I provide proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I sent out a dispute letter to TransUnion to validity and accuracy of your recent investigation of the bankruptcy that is reporting on my credit report. I ask them explain to me how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called transUnion XX/XX/2018 asking them to how they validate this account. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.

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 2018-12-05
Company: CITIBANK, N.A.
State: PR
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:
In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This complaint is against Wells Fargo. 

My credit card with Wells Fargo was hacked and {$7000.00} of fraudulent charges were made on it starting in XXXX of 2018. The established pattern of banking consisted of 2-3 transactions per month, simply transferring funds from the credit card to my checking account in large dollar amounts ; typically {$2000.00} to {$3000.00} at a time ; as I managed cash flow. This pattern was in process for approximately 12 months. When the account was hacked, there were suddenly dozens of transactions per day in small dollar amounts made to XXXX and XXXX accounts. 

Wells Fargo failed to notice the unusual account activity and when I discovered the problem and brought it to the attention of their fraud department, they took no responsibility for the problem and refused to reimburse me for the stolen funds. They stated in a letter that since I had paid my bill, that I automatically accept all charges made on the account. This is unacceptable negligence and the poorest customer care I can imagine.

My complaints are the following : 1. Wells Fargo does not seem to have an effective system in place to detect unusual account activity or bank fraud.

2. Wells Fargo does not bear responsibility for failing to secure their customers bank accounts when they are compromised.

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 2019-02-26
Company: Social Finance, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: V and H Portfolio
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
C

ontacted Vance and Huffman about false report on my credit report. Asked them to identify the original creditor and produce original contract or signed promissory note. They failed to provide me with said documents. They only provided attached letter produced by their office. I have no knowledge of this debt nor account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: SC
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:
I check my Experian credit report on a monthly basis and it appears that in XXXX XXXX, a company ( XXXX XXXX XXXX ) that I am not familiar with added an erroneous, negative collection account against me. On the Experian report, the Account Open date is listed as XXXX XXXX however I have Experian reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and none of these reports list this account. Furthermore, the account status states that " Account in dispute-reported by subscriber, Account information disputed by consumer under the Fair Credit Reporting Act '' which was updated on XXXX XXXX, XXXX however I had no knowledge this account even existed at that time to even initiate a dispute. So it appears that Experian is not actually investigating the validity of accounts that are being added to a consumer 's report. 

How is it possible for this company to initiate a dispute on my behalf? Experian has no record of me initiating a dispute regarding this account so how was it returned as Verified. Furthermore, I have not received any correspondence ( calls/emails/ letters ) from Experian oXXXX XXXX XXXX XXXX containing any information that was provided. I would like for Experian to hold this company XXXX XXXX XXXX accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because they didnt actually properly verify that this debt truly belongs 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 explanation
Consumer complaint received 2018-10-16
Company: ONLINE Information Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was out of the country during the XXXX and upon returning in XXXX I received a letter from XXXX XXXX, on behalf of XXXX XXXX attempting to collect an unknown debt. Their letter was dated XX/XX/2018. However, due to delayed mail and my absence I did not have 30 days to dispute said debt. I called them immediately and requested for a delete for payment. They were not accommodating. They advised me to call XXXX XXXX. I called XXXX XXXX because I was never even aware of the debt to begin with. It was a final bill from the sale of a home in FL. I live in XXXX. I never received any bill from XXXX XXXX ( my previous bills were e-pay, but upon closing account I lost access ) and XXXX confirmed that they had an erroneous mailing address. I had no idea this bill was even owed and should have been given the opportunity to pay it in full. XXXX neglected to mail it to the correct address and closed my online account so I had no access. 
XXXX XXXX failed to give me 30 days to dispute this debt. I mailed XXXX XXXX on XXXX XXXX a written request to delete this from my credit and give me the opportunity to pay, but I have not heard any response from them. This is the only derogatory mark on my credit and I was never given an opportunity to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to TransUnion, XXXX, and XXXX about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please 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 2021-01-22
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:
Complaint # XXXX was closed prematurely. Equifax did not resolve the issue. The evidence I sent in the complaint mentioned above was no evidence. I also submitted this information through the mail. You have an obligation to report accurate, complete and verified information. I submitted proof that the so-called verified bankruptcy with no financial accounts was removed from XXXX. The account XXXX XXXX XXXX XXXX # XXXX that you have as part of the bankruptcy was verified by XXXX as a paid charge off account. So again how did you verify it as part of a bankruptcy? Credit Bureaus are obligated under the FCRA to report and verify the information and not reporting different information for the same account. It is violating my rights as a consumer. Please do not answer this complaint with a generated automated response. I need this to be investigated and to report accurately on my report. When you file bankruptcy there have to be accounts filed under the bankruptcy. There are none. What is the purpose of filing bankruptcy with no accounts or financial information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief