BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-02-23
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:
I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. ( XXXX XXXX XXXX XXXX XXXX Balance {$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 explanation
Consumer complaint received 2020-01-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed Midland Funding LLC with all three credit bureaus. I disputed the charge for the amount of {$710.00}. I have no knowledge of the account. I have never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1- Because of the COVID-19, federal government allowed bank to not to collect mortgage payments for 6 month.

2- When that time ended, WELLS FARGO put us, the owner of the house ( XXXX XXXX XXXX XXXX XXXX  PA XXXX ) in a corner : Either pay the 6 months ( {$17000.00} ) back at once, or the bank will take the house back. Since the 6 months ended, we resumed monthly payments, never missed one. 3- We
asked WLLS FARGO to just increase the monthly payments until we catch up with the balance. Bank insisted on taking the house back. Bank is doing now the paperwork to take the house back.

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 2020-12-14
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 department of education/ Mel net reported I was 90 days late. The month prior I was on time. I was still in grace period during the time they reported I was late. I have never been late on this account due to me never having to make a payment. How can I be on time in XX/XX/2020 then you report that Im 90 days late in XX/XX/2020 this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: HONOR FINANCE, LLC
State: NV
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:
XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2020-01-15
Company: WELLS FARGO & COMPANY
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. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open Wells Fargo credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, XXXX  credit bureau reinserted the Wells Fargo account back to my credit report ( please see attached deletion letter from XXXX  ). I insist that Wells Fargo Card Services account is fraudulently opened and I have no knowledge of this 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

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 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 2022-02-23
Company: Experian Information Solutions Inc.
State: NC
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:
My Experian XXXX XXXX was XXXX on XXXX XXXX XXXX 
I received notice on XXXX XXXXXXXX XXXX from Experian that my score had decreased. 
I logged into the Experian website and found my score had decreased by XXXX points. 
I reviewed the Experian website and determined that nothing had changed. 
I filed a query with Experian on XXXX XXXXXXXX XXXX ( ref : XXXX ) to determine what information they had received causing this change and what organization had supplied this information. 
They responded that they could not provide credit counseling and listed common causes for changes to credit rating. 
I responded that I was not interested in credit counseling and only wanted to know what information was supplied to them and what organization provided it so I could address this issue with that organization. 
I have exchanged XXXX emails with Experian about this issue with no information provided. 
Experian has continued to ignore this request for information they received affecting my credit rating. 
Experian receives information and adjusts the credit rating accordingly. I simply want to know what information they received and from what organization they received it.

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 2022-02-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019. Here are the accounts that I am disputing : COMENITY BANK/EXPRESS XXXX Balance - COMENITYCB/XXXX  XXXX Balance-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: SYNCHRONY FINANCIAL
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.

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 2023-10-02
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America provides different level of service to consumers who do not communicate by telephone. 

The attached email message from XXXX XXXX, Senior Resolution Specialist of Bank of America states that " I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. ". 

XXXX XXXX has not identified any reasons that they need to speak with me via the use of a telephone other than confirming that I am the one who submitted a complaint to CFPB. 

XXXX XXXX has not considered any other methods of communication that they could have use to confirm that the CFPB complaint was filed by me and they have not identified the reason why there is a need to confirm that the CFPB complaint was in fact filed by me. 

I accuse Bank of America of discriminatory practices against consumers who do not communicate via the use of a telephone. Specifically, Bank of America 's policies makes it harder for consumers who do not communicate by telephone to file complaints with CFPB.

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 2021-05-25
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as EQUIFAX, XXXX, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Mirand Response Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During the week of XX/XX/2022 I have received multiple calls from the Mirand Response Systems which is based in XXXX, I reside in XXXX The representatives that have contacted me on several occasions have been repeatedly XXXX and XXXX. I have asked several times to have any information sent to me in writing via mail and the representative 's response was did you hear what I said ; at which time I requested to speak with her supervisor. She placed me on brief hold followed by a woman by the name of XXXX XXXX getting on the line at which time I informed her that he representative was extremely XXXX to me when I asked that any communication be sent to me in writing via mail ; then XXXX XXXX became extremely XXXX and I politely asked to speak with her supervisor and she stated that she does not have a supervisor and I stated that everyone has some in command above them, XXXX XXXX then stated that her supervisor was not available I requested to have the supervisor 's name and phone number or be transferred to her voicemail and was informed that I could be transferred. XXXX XXXX then hung up on me. I called back and spoke to a gentleman and when I asked to speak to the supervisor in charge of XXXX XXXX he then stated that he would transfer me to XXXX XXXX which I responded with I have a complaint against XXXX XXXX why would I want to be transferred to her and I am requesting to speak with a supervisor why is this such a difficult task.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently asked for the students loans to be blocked from my credit report because someone misuse my SSN number on top of the enrollment form to enroll me into the school and the student ID beside the SSN number is not the student ID used in school.I have asked Transunion to blocked or remove the information from my credit report because of the change of identity in school in the year of XXXX, all required documents has been sent to Transunion on XXXX XXXX and received XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXXXXXX XXXX.Later Transunion ask for a Police Report which I did filed one and had it notarized on XX/XX/XXXX and uploaded on their website which was received XXXX XXXXNow they are telling me that they can not blocked or removed it that was true why have the over credit bureaus removed the account from my credit report, Transunion has destroyed my life for the past 22 years with having my daughter SSN number as mine since the year of XXXX.From the beginnings the students loans were with XXXX how did they get to the US Department of Education ? Never once did I requested the student loans to be transferred to the U S Department of Education  at no point whatsoever.

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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, XXXX, and Transunion are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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