BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete DEPT OF ED/XXXX, XXXX/DEPT OF EDUCATION,

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 2019-08-21
Company: EQUIFAX, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXXXXXX XXXX XXXX  (Original Creditor: XXXX XXXX CENTER)XXXX(Original Creditor: ) XXXX(Original Creditor: ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  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 2020-12-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good evening, I am in the process of applying for Standalone Partial Claim with my mortgage company due to COVID. I was told by Shellpoint that I do not qualify for this because of a missed payment in XXXX That payment was NEVER missed, Shellpoint said I did not owe for the month of XXXX. I have been trying to get my account into investigations since XXXX, and I have written documentation since XXXX the escalation department refuses to respond. They continuously show lack of professionalism. On XX/XX/XXXX that will be 60 days they have not responded to claim. I really need them to investigate my account and listen to every single phone call I made to show that it was an error of their part, and that I did not miss the XXXX payment, and they continuously told me I did not owe. 
I need them to do this so I can qualify for the Standalone Partial Claim and not loose my house. I will be attaching documentation proving that the escalation is failing to fix my account. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a XXXX  building under the 504 SBA plan with Wells Fargo. On XX/XX/2020 I submitted a request for deferment due to financial impact of COVID19. To date, WF continues to tell me that my request is in queue and that they do not have a date as to when my request will be addressed. On XX/XX/2020, WF fraudulently debited a double mortgage payment from my account and has not refunded this money, creating further financial impact to me and my XXXX. I would greatly appreciate your assistance with these matters. 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 non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2019-03-13
Company: LD Holdings Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company says they are called Loan Depot. They are calling for a person named XXXX and have disclosed to me his is approved for a loan application this person submitted. I informed them repeatedly they have the wrong number, but they continue to call me daily and multiple times daily. This is just one phone number they used. I also have numbers from XXXX, XXXX, XXXX and XXXX. Today at approximately XXXX EST was the most recent one, from a representative named XXXX. The last one i can recall picking up as a couple days ago from a rep named XXXX. Each time they call they also state the call is a recorded line, so I'm confident they have an internal system of record that shows when and how often they have been calling. 

It is not only harassing, but predative lending too based on the person they are trying to get ahold of ( XXXX ) about a loan application, and the frequency of harassing phone calls. If XXXX wanted a loan, then that person probably would have given his phone number, not someone else 's. I am not XXXX. For the sake of CFPB knowing, my first name is 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 2018-10-04
Company: Experian Information Solutions Inc.
State: TX
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 contacted Experian after seeing that a collection was placed back on my credit file after it was removed due to it being inaccurate. They informed me that sometimes their website removes accounts then place them back when updating. i told the rep not after 60 days there is no way you delete an account and place it back, then he agreed with me. He then said he couldn't think of any other reason this would happen and that he did see that it was deleted but he could not give me a copy of that deletion The rep then said that I could dispute the account again if I wanted to. I then disputed the account again letting them know that they reinserted a account that was once removed due to my disputing the account as inaccurate. 

ACCOUNT NUMBER XXXX ACCOUNT NAME 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 2019-08-21
Company: EQUIFAX, 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:
The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: RFNA, LP
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: Problem with personal statement of dispute

Complaint:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft:|XXXX||COLLECTIONS- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|EQUIFAX|INQUIRIES- XXXX XXXX - XX/XX/XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX||XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - $XXXX - XX/XX/XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion XXXX XXXX  CRA & # XXXX ; XXXX On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of 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 2018-03-30
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/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 2018-02-03
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I logged into my Ally Auto account on XXXX to see what the remaining balance was. My online account advised me that my loan was paid in full as of XXXX. I contact Ally at XXXX on XXXX to confirm the address the title could be sent to and was advised that there was still a balance owed of {$960.00}. I urged the agent to look again as I was being advised online the loan was paid in full. 

The agent requested I refresh my browser and my online was still advising me that my loan was paid in full. She again insisted that there was a balance owed.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2020-11-16
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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Account information incorrect

Complaint:
On XX/XX/2019 my equifax credit report dropped 87 points to XXXX   for no reason at all. It appears to be a clerical error. Whoever made this error should be disciplined or fired. There has been a brreach with my security with equifax and i will attache my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Capital One calls outside of legal hours and when questioned on this abuse, they claim that they do not have control over their own auto-dialing system. I have documented at least one instance when they called after XXXX XXXX EST. Instead of acknowledging their violation of the law, they attempt to collect a debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
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:
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 

I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 

My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 

I demand reinvestigation this dispute for account information from XXXX " XXXX XXXX XXXX XXXX / XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 

I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send 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 explanation