BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

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 2020-05-26
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: Account status incorrect

Complaint:
I currently have a student loan with XXXX XXXX which is in deferment. Transunion shows me having a missed payment for XXXX as well as an increase in the amount which is outstanding on my loan. 1st ( first ), per the government as well as President Trump ALL payments for outstanding student loans did not have to be paid until XX/XX/2020. I contacted XXXX XXXX and they stated nothing was reported from them. When I contacted Transunion they acted as if they could not see the change. Then the representative acted as if they could not understand English and stated he's in the XXXX. When I asked for a manager I was placed on hold for 2 and 1/2 hours without the call be answered.

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 2022-04-28
Company: Westlake Services, LLC
State: SC
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 Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2017-07-06
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
First Tennessee Bank employees did a duplicate wire transfer on XX/XX/XXXX. The account number was XXXX, the original transaction was done on XX/XX/XXXX. First Tennessee adjusted the {$74000.00} by using the bank deposit slip/and or their withdrawal slips. The bank off set the money stolen. The deposit slip & withdrawal slip numbers are XXXX & XXXX. XXXX XXXX & XXXX XXXX are brokers that handled that account. They set up the fraud account with XXXX XXXX. XXXX XXXX appears to be working with XXXX XXXX XXXX. There was a transaction made to XXXX XXXX XXXX XXXX The name on the account is XXXX, XXXX. The amount was $ XXXX.First Tennessee Bank stole {$20000.00} on XX/XX/XXXX. XXXX XXXX with XXXX XXXX stole {$20000.00}. There are three banks involved. There was another wire transfer adjusted by First Tennessee Bank after the bank stole $ {$33000.00} on XX/XX/XXXX. The wire transfer was from account number XXXX to aba XXXX/account # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX is the account set up by XXXX XXXX after she stole my retirement check from XXXX in XX/XX/XXXX. XXXX XXXX & XXXX XXXX with XXXX XXXX my former employer. XXXX XXXX was a former employee with XXXX XXXX XXXX XXXX She was friends with XXXX XXXX . My retirement check was mailed to the bank. I never saw the check to endorse it. The FBI & Secret Service brought this to my attention. XXXX XXXX stamped my check with Principle with NFS stamp to deposit only. The amount of the check is {$280000.00}. A fraud account was set up for XXXX XXXX. The amount was for $ XXXX.The XXXX Family was given the paperwork by Attorney XXXX XXXX after I filed bankruptcy in XX/XX/XXXX. Another account was set up for XXXX XXXX XXXX. The account number created by XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: FL
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:
These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.

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 2020-02-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suspect fraudulent activity committed by Wells Fargo on my mortgage account ( through Wells Fargo ) : 1 ). Wells Fargo has committed a breach in home loan contract. <P/>2 ). Home mortgage payments have increased for property taxes & insurance without probable cause. Changes and/or justification provided by Wells Faro does not reflect current # s on assessor 's  website and other supporting documents ( please see attached ). <P/>3 ). XX/XX/XXXX - Purchased home through Wells Fargo standard home loan. <P/>4 ). XX/XX/XXXX - Performed ( current ) loan modification through Wells Fargo. Decreased payments to ~ {$1500.00} now over ~ {$2000.00} ( please see attached supporting documents for home loan # ). <P/>5 ). XX/XX/XXXX - Received payment adjustment notification via mail that property taxes & insurance increased. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. <P/>6 ). XX/XX/XXXX - Received additional payment adjustment notification via mail that property taxes & insurance had once again increased and that once paid in full monthly mortgage would increase. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. Currently making scheduled payments through XX/XX/XXXX ( please see attached supporting documents ). <P/>7 ). XX/XX/XXXX - Red flags in question : when compared to dates & # s listed on the assessor 's website they do not align. Property taxes & insurance have not increased in at least 2 years. They make claims that property taxes & insurance payments were paid late ( by Wells Fargo themselves as I do not have a personal impound account, Wells Fargo handles all property taxes & insurance payments ) when in fact reflect an earlier date on assessor 's page. They incorporated a payment increase justification due to claims of a 'Projected ' increase for XX/XX/XXXX ( noted on reverse side of notification, see  attached ). No clear explanation/justification for increases has been provided by Wells Fargo to date.

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 2022-04-28
Company: Nelnet, Inc.
State: FL
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 Account # XXXX ( Nelnet ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully discharged due to my 100 % XXXX VA rating in XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion incorrectly reports a derogative mark about {$78.00} debt from XXXX sent to collection agency since XX/XX/XXXX. As I no longer live in the XXXX since XX/XX/XXXX, I have no means to request credit report or derogative mark details or contact TriansUnion to start a dispute

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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I mailed in several dispute letters to Transunion about the incorrect address. This address is not mine. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tn XXXX. The correct and only address is XXXX XXXX XXXX, XXXX, Tn 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 2019-10-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from XXXX in reference to paypal account from Synchrony bank paypal that went delinquent. I do have credit accounts with synchrony bank but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a synchrony paypal credit card. Synchrony bank would have been reporting to the bureaus. XXXX XXXX acquired statements from the alleged paypal account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened paypal account with synchrony. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2 different mailing addresses and account number ending in 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 2019-02-19
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: Account information incorrect

Complaint:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2021-06-13
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Good evening, I have dispute LvnvFundG for over 6 months. Repeatedly Ive asked for proof on how they have verified with the original creditor the account was mine and the proper steps they have taken to ensure they are reporting 100 % accurate information. Month after month they are certifying to the bureaus that the account information they are reporting is accurate. When in fact there are multiple errors reported for this account. Examples of what is being reported inaccurate. 
Date Account opened. 
Account status being opened. 
Past due amount. 
This information is different from the original loan agreement. I have demanded they provide me with the original document of this account as reporting inaccurate information is stopping me from obtaining credit. XXXX and XXXX were both unable to provide accurate information so they have removed this account. I question XXXX  how they have been verifying this information is accurate on my report and get no valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to LOAN DEPOT in California for a cash out refinance. I submitted all of the documents that were requested including social security numbers and credit checks. They proceeded on that basis. They went on to charge me {$370.00} for an appraisal. They offered a loan that subsequently they could not make work. It was an ARM that that subsequently went up in interest beyond my capability. I went to another lender and requested that LOAN DEPOT transfer my appraisal to the other lender. LOAN DEPOT has refused to transfer the appraisal. LOAN DEPOT tells me that it is not an FHA or VA loan and they are not required to transfer. I am left with no other alternative than to request a new appraisal from my new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During XXXX  week XX/XX/XXXX, we traveled from XXXX to XXXX   with our XXXX  device.

We received 4 toll violation notices from the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ( XXXX, XXXX, XXXX and XXXX ). We completed the violation dispute form for each violation and mailed them back to XXXX XXXX XXXX on XX/XX/XXXX. We received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX for violation XXXX in which they rejected our dispute based on 1 or more of 3 reasons ( the exact reason was not indicated ). We then responded with a letter that addressed each of the 3 reasons with proof that we had not violated any of the reasons given. We then received a letter from Retrieval-Masters Creditors dated XX/XX/XXXX that violation XXXX  had been sent to them for collection. We sent them a cease and desist letter as well as a letter to the XXXX XXXX XXXX XXXX XXXX  explaining once again that we should not be charged for toll violations. We also decided to send a letter on the same day to the the XXXX Attorney General for assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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: Personal information incorrect

Complaint:
There are multiple addresses on my credit report which are wrong. I have sent a letter to the Credit bureaus asking them to remove all the wrong addresses and even provided them with my Drivers license and proof of address and my SSN card in order to verify my identity and support my request and still they have failed to remove the wrong addresses. I want to make sure that my actual address as shown on my driver license is the only one that shows on my credit report in order to protect my information from possible fraud. 
please help me in asking the credit bureaus to remove the wrong addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX XXXX  recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet USAA & XXXX. see also included in packet attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't XXXX  report the ACCURATE INFORMATION ON USAA OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has XXXX  refused to address having no data on me? I filed XXXX  Breach XXXX  did Not annouce breach for 2 years. Why? I understand BREACH began XXXX XXXX  notified XXXX. Why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FC HoldCo LLC
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 Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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