BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/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 2020-06-02
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:
Over the past year more Experian credit score has varied from month to month without any changes in my credit activity. Recently it has been trending down, while the other two Agencies remain much higher and don't vary. There have been no changes in my credit activity, no inquieries, payments remain on time, and basically no explanation for the variations in score at Experian. Some months it's up and then for no reason goes down, and then goes upon again. I've not been happy with my Experian score and have worked hard to improve it. I have one missed payment in 2015 from XXXX 's due to a bill my wife misplaced for a payment of less than {$10.00}. It was paid the following month in full. I understand the mechanics of this and realize it can't be changed ; I'm not asking for this. I simply want to know why, out of the three Bureaus, Experian 's scoring system is so far off the other two Bureaus and why it varies when there has been NO change in my activity.

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 2023-05-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a collection on my credit which is inaccurate and is a Direct Violation of the Fair Credit Reporting Act! 

( XXXX  - XXXX ) Has Violated Several Laws of the FCRA and that is a violation of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
Derogatory mark on credit file resolved with 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 2019-04-20
Company: Experian Information Solutions Inc.
State: VA
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 have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 )  XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX   XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX/ XXXX Please block the above 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 2017-12-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, XXXX XXXX. 

First Midwest Bank. I tried opening an account on XXXX XXXX of XXXX. Tests deposits were made to my XXXX XXXX XXXX XXXX on XXXX XXXX of XXXX. 

Was not sure of opening the account. 

Decide to complete application on XX/XX/XXXX, of XXXX. 

I confirmed the test deposits. 

I called right away because it says I needed to provide by mail an Illinois ID and Signature card. Usually when opened account I just input my XXXX information and view disclosure and signed by clicking. Was not sure of it. Asked to close account. 

Money was taken on XX/XX/XXXX, of XXXX. 

I called again to confirmed officially that I was closing account and for them to send money taken to my funding source @ XXXX XXXX XXXX XXXX. 

Account was opened still by XX/XX/XXXX, I am getting mail letters from them of account opened with XXXX balance. 

Nobody seems to know where my money is. I had spoken to many people at their 800 customer service number and also different branches of theirs. 

I also went to First Midwest Bank branch @ XXXX XXXX XXXX, XXXX. They opened dispute and close it within 2 hours later. 

I need my {$300.00} Dollars. Back. 

Please help. 

Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL 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 2023-09-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo wont let me log into my account. I have money that is in the virtual wallet that wont let me access and i need that to make mortgage payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Applied for XXXX on XX/XX/2022 Received notice from Fedloans on XX/XX/2022 that my LOANS ARE BEING TRANSFERRED for XXXX XXXX XXXX XXXX XXXX with XXXX on XXXX and XXXX just to be sure I had everything right. Was told all was good and to just wait patiently. I was to do nothing further. NOTHING Was then told on XX/XX/2022 That I was supposed to initiate the transfer since some of my loans were private and needed consolidation. Basically tough luck you missed the deadline. 
I have well over XXXX payments and have been working in The public service field for XXXX years. 

I am sickened that the professionals that I called for help gave me false information, which in turn caused me to miss out on this opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought home in XXXX XXXX 4 months the mortgage company send letter that my mortgage will increase from XXXX, .They increase payment on escrow account about {$52.00} and {$34.00} for shortage in escrow deposit account.Total {$86.00} more in monthly payment.During closing my attorney told me that mortgage can increase only when ptoperty tax went up.I have sent about 5-7 letters to mortgage company to resolve issue.I get back only one letter which nothing explain, If they wiil increase motgage every 6  month because of escrow account, my mortgage payment shortly rich point where i will not able to pay mortgage.Can you help. 
I have question .Can I make payment myself to the insurance company and property tax directly to the city with skiping an escrow account.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have four inquiries from XXXX XXXX XXXX  that Im trying to get removed immediately. I reported my ID stolen early XXXX and Im still receiving inquiries also tickets in the mail. 
XXXX XXXX  hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX, TRANSUNION, XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX   XXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX   XXXX XXXX  XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXX XXXX XXXX  XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXXXXX XXXX XXXX  XXXX -- ->Date Open -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 2023-01-12
Company: EQUIFAX, INC.
State: NY
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:
RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone reported now I cant get approved for checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to submit some disputes on my XXXX  and equifax credit report online. I put in all the information that I was disputing and when I get to submit it the system will not allow me to do so. My balances on my charge cards are incorrect. I owe much less than what is reporting. I was disputing the balances because having these high balances show is affecting my credit score. I have paid off in full 2 credit cards and have paid other cards down by a significant amount. Why XXXX and equifax will not let me submit this information i have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX paid XXXX towards principal XXXX talked to Exeter representative XXXX paid {$550.00} towards principal XXXX paid XXXX monthly payment due the 14th day of each month XXXX Spoke to Exeter representative XXXX XXXX I spoke to numerous Exeter representatives about my account to make sure my payments were applied right, as I could see on my account they were not. 

XXXX paid XXXX monthly payment. 
XXXX Spoke to Exeter representative asking for a valid invoice from XXXX, as I had not received a billing invoice that shows my payments & how they were applied to my loan. 

I am being robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative

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 2022-03-29
Company: EQUIFAX, 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:
I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This past week I received a letter from real time resolutions, dated XX/XX/2019, showing that I have 3 options to chose from in order to work towards clearing a second lien on my current property. That lien was never officially noticed to me through the courts. Their options are ( 1 ) a temporary payment arrangement, paying over {$800.00} over the span of a year, then the previous (? ) arrangement will resume in effect ( no indication what that was ), ( 2 ) resolution - payoff one lump sum ( $ 16K+ ) that's 1 % reduction from amount owed ( full ), ( 3 ) short sale. Real time cost me my previous attempt to re-fi a couple of months ago. Knowing they did not pay full amount for the aledged debt, pennies on the dollar. Now I am still attempting to re-fi and that is all they want to do. On XX/XX/2019, at approximately XXXX, I spoke with one of their customer service ( XXXX ) representatives, who identified himself as XXXX  ( sp? ). He indicated that the company would take no less than the $ XXXX owed (? ). I offered $ XXXX. He stated no. I told him we were done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX  Acct # 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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mid XX/XX/2018 Trans Union in one day took 38 points off my score. I have tried several times to find the reason they took off the 38 points and Trans Union has no reason why the large number of points were taken off in one day. I can understand why a small amount of points might shift, but 38 points without any reason is not fair. I have never been late on a payment and my 25 % utilization rate is good. 
Give me back my 38 points!

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 2022-12-14
Company: EQUIFAX, INC.
State: MA
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 sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation