BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
XXXX continues to report a collection from orig creditor XXXX XXXX which has used 5 different collection agencies to collect an invalid debt for acct # XXXX in the amount of {$290.00} for which the acct was pd in full & equipment returned when I closed it back in XXXX just before my move to California. It was 1st listed by XXXX XXXX XXXX listings totaling amount above which I disputed & provided the docs showing the balance was paid in full along with equip return and the file was deleted from my report so being that this was resolved I shredded the file. To my surprise in XXXX they listed with yet another collection agency XXXX and again with XXXX XXXX which I disputed again stating this was a collection that was previously deleted from my report and finally deleted from report again now in XXXX they have managed to use another collection agency called XXXX to list this same invalid collection account for which I disputed again but being that I could not provide them with the receipts originally provided back in XXXX they claim that the debt is valid- this is ridiculous the amount of time I have wasted disputing an invalid debt for which proof was provided and has been taken off my report more than 3 times yet they get away with listing this again. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2021-02-18
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to XXXX, XXXX & EQUIFAX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX allowed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX XXXX to XXXX  me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXX university fraudulently has been going on for years for non credit courses being billed through TAG PELL grants.

I was unemployed and XXXX XXXXXXXX  took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX  accounts.

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 2015-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There is an extended fraud alert on my account ; I am entitled to XXXX free credit reports. Transunion 's online site shows that my fraud alert is active through 2022. The link to request a free fraud alert credit report takes me to a page that calculates the price as {$8.00}. This report should be free. There appears to be no way to order the free fraud alert credit report online, or through the interactive voice response system. With considerable difficulty, I was able to reach a human being and order the report after waiting on hold for a large fraction of an hour. 

I would like Transunion to fix this defect on their site. The desired outcome is for fraud alert credit reports to be provided free of charge, through a link that is readily discoverable from the Transunion home page. 

I am attaching a PDF showing the fraud alert screen and the non-free order page. It appears that logic intended to discount purchased credit reports in California is taking precedence over logic that provides free fraud alert credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: PRESTIGE FINANCIAL SERVICES 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: Account information incorrect

Complaint:
I have reach out to presige financial about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TD BANK US HOLDING COMPANY
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:
Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have an inquiry on my credit report for XXXX XXXX and I don't have a XXXX XXXX account. I had services with XXXX for the last 4 years but as of XX/XX/XXXX I moved to XXXX XXXX XXXX area and I have service with XXXX. I have tried to dispute this through XXXX but it is still on my credit report. I am not sure of who but my information is being used fraudulently. I also have an issue with someone running my credit with XXXX  and trying to get a retail card with them. I called them XX/XX/XXXX and reported to them that it was a fraud because I have four, now five, credit cards and I don't have any retail cards because I manage those five.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Upon checking my credit file with Transunion, I see that an account With XXXX has been removed and then reinserted between the week of XXXX through XXXX 2017. I have no legal binding contract with this collection agency. I would request that account in question be deleted permanently from TransunionXXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am XXXX, I am XXXX years old, my name is XXXX XXXX XXXX, I have received by e-mail messages from wells fargo bank, about amounts deposited in my account, and credit card, the fact is that I do not have wells fargo account, never I used the wells fargo card, following the email received confirming that my wells fargo card will arrive. check it out, the links refer to the wells fargo page, it's not a fake page, someone opened an account on my behalf.

LOOK AT THE MESSAGE I RECEIVED, I ALREADY RECEIVED OTHERS SAYING I HAVE DEPOSITED VALUES IN MY ACCOUNT. 

Wells Fargo XXXX Your card will expire soon We are writing to remind you that your Wells Fargo Debit Card ending in XXXX will expire soon. 
Please check your address We will mail you a new card before your current card expires. Please sign on to view the mailing address.

You will receive another email once your card has shipped.

Your new card will retain the same card number and Personal Identification Number ( PIN ) as your current card.

Customize your card now Personalize your card before it ships by uploading a favorite photo1, business logo, or by selecting an image from our online library within the next 7 days. Eligible cards  can be easily customized by signing on to the XXXX XXXX XXXX. 
If you have any questions, please call XXXX ( XXXX ) or sign on to send a secure email. Phone Bankers are available 24 hours a day, 7 days a week.

Thank you for choosing Wells Fargo. We appreciate your business.

Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to email us. 1Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures, will not be approved. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Dovenmuehle Mortgage, Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX doing business under Dovenmuehle Mortgage is trying to defraud us out of our money with a Property Inspection Fee charge of {$20.00}. We have never had anyone enter our home and do a property inspection. Also, the Late Charge Assessment we paid in the amount of {$44.00} is not for us being late on our {$970.00} mortgage loan. It was accessed because XXXX of XXXXXXXX XXXX failed to inform us by not communicating that our escrow account had a shortage. They had ample time from XX/XX/2022, through XX/XX/2022, to call or email us about adding money to the escrow account, which they never did. We have had the same lines of communication since first contacting XXXX of XXXXXXXX XXXX XXXX XXXXXXXX when we began our application for refinancing. This company has deliberately recorded and credited our mortgage payments as being unapplied and late and in default. In XX/XX/2022, we sent a signed written request by both borrowers to " Waive Our Escrow Account '' with XXXX  of XXXX, XXXX per their written request. They are not at all late or missed monthly at all. We have never missed or been late with a mortgage payment whatsoever. If the payment is received after the XXXX of the month, it is considered late and a late fee of {$45.00} will be charged, it is written on the mortgage statement. We never asked or requested any property inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX XXXX  violation of consumer reporting I want item removed from my credit profile

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 2021-08-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, My occupation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX such as XXXX and my own website, using paypal as my payment processor. 

I reside both in the United States and XXXX, travel back and forth as part of my business. 

Paypal seized my money after holding it for 180 days without notice and without a court order. Just a few days after passing 180 days, XX/XX/2021 they transferred all my balance XXXX to themselves under the note " Paypal damages caused by acceptable use policy ''. My account was around 4 years old. 

My money was seized XX/XX/2021. I contacted paypal customer service several times the same week and I was told that my money was being held for 180 days and that after this time they would return the money to my account. I tried writing to my local congressman and other government agencies with no success but in the end I decided to wait 180 days. 

Just before a few days before passing 180 days my balance was transferred to themselves like I said before and here I am taking legal action against the unfair practices of paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX BANKRUPTCY violation of consumer reporting I want item removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
My loan was sold by XXXX XXXX XXXX XXXX  to Specialized Loan Servicing ( SPL  ) in XXXX. My first payment due to SPL was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted SPL to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.

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 2023-08-19
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: AZ
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, Experian Information Solutions Inc. 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 written instructions. 


The following information is incorrect : EXPERIAN INFORMATION SOLUTION INC. 
XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX. 

*****PLEASE NOTE**** BOTH, XXXX AND XXXX XXXX XXXX HAVE REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

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