BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I sent a letter of on XXXX remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit reports with Trans Union, XXXX and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I started trying to fix access issues with my crypto.com account. They are not letting have access to my account so that I can sell all my cryptocurrency and have been stuck just watching it lose value. They keep telling me that someone will be with me shortly, that it has been submitted to the appropriate team, yada yada yada, and here I am on the XXXX of XXXX and STILL don't have access to my account. I've noticed on XXXX others saying that it has been over a month for them. Are they just a scam, or have absolutely NO clue about how to fix their problems so I can access my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: DE
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still an account that requires fixing. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm this account ( 1 ). ( A ). I'm confident the contested records are settled. 


Please fix this account : XXXX XXXX XXXX XXXX XXXX : {$41000.00}

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 2022-01-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 


I have sent letters on In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2021 an account was disputed for XXXX XXXX XXXX XXXX. The account was removed then reinserted. I did not receive a notification in 5 days of the reinsertion. My consumer rights have been violated. And I've tried to rectify the situation with Experian but they have not remedied the situation. Please assist.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2019-12-13
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The Car was repossessed by XXXX XXXX after an accident and major repairs were made. Payment was made from same account that payments had been made previously. Reason for refusal of payment was that I was not an authorized person on the account. I was and still am an authorized person on this account. Before I could resolve this issue with the company the car was repossessed, and ransacked, items were stolen, by the tow company. The company demanded past payment which they initially refused, late charges, tow charges, storage fees, and up coming payment. Well over 1000 dollars which I did not have. Subsequent requests for information about the vehicle, such as what balances were how much the vehicle was sold for ect were never responded to. Wage garnishment occurred and and although I had paid on the car downpayment plus trade in and payments for 5 of 6 months I had the car were never deducted off of final balance. Again no further information was given to me on how this amount was arrived at. A total garnishment of over 9,600 $ took place via the wage garnishment. That was paid off. They are now asking for an additional garnishment for over {$5000.00}. Interest apparently was not collected via the garnishment as well I am told interest will continue to accrue and again not be collected from this amount. I was told unless I come up with a full payment I will continue to pay on this vehicle indefinitely. XXXX XXXX never sells a car for less that {$9900.00}. So they got my 10,000 plus dollars likely re sold the car for {$10000.00} and are now attempting to perpetually collect money for a car I have not had for 8 plus years. My bank no longer has this documentation nor does XXXX XXXX who payments were made through. The mechanic who repaired the car is no longer in business. My insurence carrier at the time was XXXX and they are researching for information in regards to this vehicle since I carried collision on the car and the paid the majority of the repairs. The account has been turned over to a lawyer Relin Goldstein and Crane I thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am asking you for your assistance with my mortgage loan that is being serviced by Wells Fargo. Since I became delinquent on my payments, they have not once allowed me to apply for mortgage assistance. I find it unfair that we bailed them out when they were in trouble last decade, but they have turned their backs on me and I see on line at ton of other homeowners. I believe that we should have allowed them to fail, as it is clear that they did not learn their lessons in how to service loans and treat homeowners. I went through some rough times financially a few years ago, but I am now in a very secure situation financially and want to start making my mortgage payment. However, Wells Fargo has not lifted a finger to assist me, nor have they assigned someone to help me through the process. Instead, they are marching forward with the foreclosure. They did give me a modification many years ago and that went very smoothly. This time is a completely different story and the end result of their lack of action will be a foreclosure sale of my home. I suffered through a year of unemployment starting in early 2018. I did my best to make whatever money I could while I was seeking permanent employment, but was forced to miss my mortgage payments. When I spoke with their representatives to advise that I had lost my job, they were ambivalent and did not allow me to apply for mortgage assistance. I believe they should have worked with me and offered me an unemployment modification, forbearance or other workout option to help me work through my delinquency. However, Wells Fargo never allowed me to attempt any sort of review for retention options and I can not get a review for assistance initiated. This is unfair and I believe that their only intention is to capture the significant equity I have in my home and kick my family into the streets. I find it unfair that my loan is being kept from assistance review that could help my situation ; while I have sleepless nights wondering what is going to happen to my loan.

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 2021-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXX on Thursday XX/XX/21 received a call from a scammer that said they were from my bank, wells Fargo XXXX ( the number was from the actual wells Fargo customer service 800-number ) and wanted to let me know that there was an unusual charge on my account in the state of Ohio for {$440.00} and another for {$1500.00}. I said those were not my charges and were fradulent. This scammer asked me to verify my information like my SSN and even sent me a text with a XXXX digit code to confirm my phone number from the same text wells Fargo uses. They had all my banking information. Scammer continued to put me on hold to " start a claim '' for the fraudulent charges and put a stop on my debit card. As I am hold, i start receiving emails from wells Fargo that there begins to be activity on my accounts, such as a {$1500.00} cash advance from my wells Fargo platinum card account into my checking account. After XXXX minutes of being on hold,, The scammer returns and says they have canceled my debit card and they will be sending me another one and the " new activity '' is accounted for and will be reversed. I hung up thinking my debit card was stopped and the issue was over. The situation seemed weird to me, so I drove to an actual Wells Fargo branch and found out that it was a scam, and that my checking account and credit card account had been compromised. They had to close all my accounts and start an investigation. The scammers do have all of my personal information including birthdate, XXXX, phone number, and home address.

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 2022-09-15
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:
This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that 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 explanation
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

EXPERIAN XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There was a hard inquiry on my my credit report. XXXX XXXX XXXX  inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.

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 2021-05-02
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: Investigation took more than 30 days

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.

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