BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXXXXXX XXXX XXXXXXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-03-15
Company: Experian Information Solutions 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:
I called on XX/XX/XXXX and requested help on filing a complaint because about the late payments from XXXX to XX/XX/XXXX that was being reported needed help on a hardship forgiveness because during Covid I had lost my job and wasnt able to pay my debt but am caught up now. They said they would open an investigation to it to no avail. I really need help with getting these over 30 days late reports removed as it really wasnt my fault can someone help me

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 2019-07-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company. 
Assignment : transferring some or all property rights and obligations to another person through a written agreement. 
I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT. 
ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail. 
The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises. 
Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX  XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity. 
With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : 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 explanation
Consumer complaint received 2018-05-24
Company: Peoples Home Equity, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX has been advertising to come and see her at her office to get prequalified this was in XX/XX/XXXX when i asked her if she was a licensed Loan Officer she said no and that a license was not needed to go over rates and payments and to see if i was able to get qualified for a fha loan. Since XX/XX/XXXX her company has changed to a couple of different names. When i asked her if i was qualified all she told me is that she would get back to me and i still have not received a decision back from her. She told me that because I'm self employed she was going to have to prepare my XX/XX/XXXX taxes for me so that i could qualify when i have asked if she was a CPA she said no but she has prepared a lot of buyers taxes so they could qualify for a home loan. This has me very concerned that a person who is not a licensed Loan Officer or CPA is preparing taxes for people so they can " qualify '' for a mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Old information reappears or never goes away

Complaint:
I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY PORTFOLIO SE has been contacting me over the phone numerous times in attempt to collect a debt that is not mine. they have filed a collection and ruined my credit score. i have spoke with them over the phone and told them the debt is not mine, and the are refusing to accept this fact. They don't have any proof in the form of a signed contract with the original debt holder which claims i owed them money, nor can they tell me how, when or where any payments to the account have been made. i would like this debt removed from my report and the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
I was added as an authorized user to my grandmothers XXXX XXXX XXXX XXXX back on XX/XX/XXXX. Within a couple weeks it was reporting with XXXX  and XXXX. Its now been over thirty days and said account has not reflected on my Experian account. This is causing me to not generate a score which is prohibiting me ... theres not much I can do without a credit score.  No house, car, etc.

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 2019-01-14
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
XXXX XXXX has an 60 Month installment loan with Navy Federal Credit Union open on XX/XX/2018 to present that is paid as agreed on monthly basis. My XXXX  credit report is reading a Navy Federal Credit Union revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms. Please update and correct my Navy Federal Credit Union Loan from revolving credit loan to 60 month term installment loan with XXXX, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. Navy Federal states problem is with XXXX. XXXX  states problem is with Navy Federal Credit Union. XXXX XXXX XXXX just wants 60 month term loan corrected with both XXXX  and Navy Federal Credit Union immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid off US Bank Mortgage XXXX in full. The escrow balance was {$1800.00}. On XX/XX/XXXX US Bank Mortgage debited my US Bank Checking account for a XX/XX/XXXX payment of {$1300.00}. I received a refund of {$1300.00} on XX/XX/XXXX but nothe the escrow refund of {$1800.00}. I made a call to customer service the week of XX/XX/XXXX and was told the US Bank would not issue a new check for the escrow for 30 days. According to the contract the escrow refund is due to me within 20 business days of the mortgage payoff. I again attempted to request an immediate refund of the escrow on XX/XX/XXXX via a call to customer service. The customer service agent and supervisor refused to initiate a refund of the escrow funds to me, citing it was their policy to not issue new checks for at least 30 days. Further it would take 10 or more days after the request was initiated before the check would be issued and sent and I would need to call on or after XX/XX/XXXX to make the request. 

In addition I have notified US Bank Mortgage Escalation Center of this issue by US mail and included a copy of this complaint.

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 monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: NY
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:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered to make this debt valid which is violation of 15 USC 1692 ( E ) All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and still have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-07-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So i opened this account in the fall BMO banking, didnt have any issues until XX/XX/2021 i received a promo incentive from bmo apparently it was for opening an account with them, ( XX/XX/XXXX had been sent with XXXX to my other account ( XXXX  XXXX XXXX on XX/XX/XXXX however when the money had already been used, a transaction from for reversal promo was made an it brought my account to negative {$200.00}. The promo I received was {$200.00} After receiving that i was then charge an overdraft fee every business day since start XXXX XXXX XX/XX/XXXX Which then they proceeded to close the account Account was closed apparently an sent to collection to XXXX  on XX/XX/XXXX th I then received a deposit of XXXX with unknown deposit date as am not allowed to look at that since my checking was close but am able to look at my balance also spoke to someone XX/XX/XXXX from BMO customer service number called XXXX XXXX ( XXXX ) XXXX XXXX & they told me they see the deposit but i can not access it because checking is closed & why am i being denied my money even doe they close this account any money received is being held. They are not allowed to give me my money but accept transactions. When its there money i get charged an OVERDRAFT fee everyday which i will have to end up paying, but they are currently holding XXXX an more money incoming the following month. Can i get some help or a better understanding thanks for your time.

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 2020-03-02
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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.

has violated my rights. Or a 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 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