BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2019 I recieved an alert from my credit monitoring that a hard inquiry was put on my Equifax credit report. I did not at any time apply for credit with XXXX XXXX  or otherwise authorize this. I called XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with Equifax, the next day ( XX/XX/2019 ) I received a response that the investigation was complete and it was verified as accurate. I called Equifax on XX/XX/2019. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with XXXX XXXX  and how they confirmed that it was fraudulent and requested they call XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called XXXX XXXX since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-03-12
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Today I contact Navient as a result of learning a company that was managing my loans ( XXXX XXXX XXXX XXXX ) was suspended and under a lawsuit submitted by the FTC. When contacting them today and within the last few months, I informed that I did on any call to Navient the XXXX was managing my loans. Each representative stated, we aren't affiliated with that company and it was not until today that I was given a telephone number to file a complaint about paying this company to manage my loans. After attempting to submit an IDR application and learning that my payments would be $ XXXX+/months, I logged in to my account and notice my loans had increased by {$20000.00} since 2015. Outrageous! The representative told me the only option I had was to go into forbearance plan where she then mumbled off a disclaimer about paying interest but never mentioned my interest rate would increase. I am single and pay a mortgage and car note and other necessary bills alone and I don't even have credit cards as I manage my debt responsibly. I filed a complaint with the FTC about the XXXX in which I have paid over {$2500.00} to since XX/XX/2015 in which I was told my debt would be reduced from {$62000.00} to {$40000.00}. I was sent a contract that showed my payment to XXXX would be {$100.00} per month will I paid about {$75.00} to Navient. I was told the {$40000.00} would not reflect until the end of the XXXX year contract. I am learning that none of the money I paid to XXXX went towards my loan and only today did Navient mention I had been in forbearance for XXXX out of XXXX allowed months. I have been left no option but to go back into forbearance since I could not pay {$500.00} payments due to my loans having increased from {$62000.00} in 2015 to now {$80000.00}. I have never been late on any payments to either Navient or XXXX. I do not understand how the XXXX was allowed to scam students for this long. Navient also took advantage of the situation and accepted all documents from XXXX and increased the interest rate without my knowledge especially since I did not submit the documents directly to them. I am requesting that I be refunded my money not only from the XXXX but Navient completely forgive my student loans! A formal lawsuit should be filed against Navient as I have been an honest paying citizen who was taken advantage and now being asked to pay {$80000.00} in student loans and now only being given a reasonable payment of a car note with no other options but forebearance. I have all the documents that show the contract that was presented and the interest rate increases of Navient ; however, I am unable to attach them to this complaint since they all include my SSN, account numbers and/or address. I would like for some assistance with the balance of my loans. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ALLY FINANCIAL INC.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, I worked with XXXX XXXX in XXXX MA to trade in my XXXX XXXX XXXX XXXX lease and sign a new one. I was verbally confirmed that the old jeep would roll into my new lease and would be taken care of. This never happened. I called XXXX XXXX  many times and the manager told me " its your fault and the sales agent no longer works there ''. Ally financial is the bank that supplied the lease and I now have this major outstanding balance and a mark on my credit that is hindering me from getting a mortgage. I have worked with many repair companies and have tried to compromise with Ally and XXXX and have had no success. XXXX  is the worst car dealership I have ever dealt with and they seem to not care when they take advantage of their customers, especially when their customers come in alone. I need help with this issue!

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 2022-10-28
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-08-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The LIST of accounts Below has violated my Federally protected consumer rights To privacy and confidentiality under 15 U.S.C 1681. Account name : # XXXX, Account name : # XXXX, 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 2018-11-20
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent in my 8th dispute to Transunion. In this dispute I informed them of my address and told them to make sure that it is updated correctly. I also outlined the fact that I have contacted them 7 previous times by certified mail to remove inaccurate information and they failed to do so. I also made aware the fact that i keep good records and that i could show a judge proof of contact and that Transunion violated the Fair Credit Reporting Act by ignoring my request to update my address and remove all others and Investigate, Remove and Delete these unauthorized inquiries. A total of 19 items! Lastly I told them that if a proper investigation was not conducted that I will file a civil suit in my county for damages As in XXXX XXXX XXXX XXXX XXXX ( XXXX ), at which TransUnion may be liable for willful non-compliance. And also that failure to respond to my request within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00}. per violation for a total of {$19000.00} for 1. Defamation 2. Negligent Enable of Identity Fraud 3. Violations of the Fair Credit Reporting Act. 
So on XXXX I went to my local post office to send this dispute to Transunion by NEXT DAY MAIL with RETURN RECEIPT. However by the time I received the return receipt it was XXXX and the date that the card has stamped says XXXX. So the next day I returned to the post office to see when the dispute accurately arrived. To my surprise when they pulled the tracking number it shows that the dispute was received by XXXX XXXX on XXXX at XXXX XXXX. Why is there a 4 day lapse between the day it actually arrived and the day that Transunion said it arrived??? In either case it has been over 30 days from the XXXX and the XXXX since I've sent my dispute and Transunion has not responded to my 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 explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : 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