BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Bank XXXX, N. A Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Bank XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-04-16
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status.

InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account.

SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: UT
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 XXXXXXXX XXXX XXXX Account XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: LA
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 sent over my ftc report to equifax several time for information thats not mine on my credit report every single time they told me the information will be gone in 24-72 hours the information stion on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-23
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When I closed on my mortgage my understanding was that my mortgage would automatically be deducted from the account provided. During those first months I tried to register and login to my lenders website at loandepot.com but my account information was not recognized. The phone lines were hours long waits. Eventually I stayed on the line and found out my account was past due 30 days. The associate walked my through registration at loandepot.com/loanadministration, which wasn't intuitive. I XXXX  the account that moment. 

The nearing the next payment I checked the site to find {$0.00} due, which did not seem right, I called to doublecheck my account were current and enable auto-payments. The associate assured no balance was due and that auto-pay was enabled. I was then pinged for 30 days late again. I have been and followed all of their processes for resolution. I have spend hours on hold just to be transferred. They has me send internal messages, use live chat, send faxes, send metered mail and wait long lengths for replied. They would only reply " The payment was made 30 days late ''. But my inquiring to them was addressing the misinformation I was givent. 

I feel these should not be on my credit report because I was able and did make the payments when I was able to view the balance. The website showed a {$0.00} balance, the associate assured me the balance owed was XXXX, and that autopay was setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Personal information incorrect

Complaint:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

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 2019-07-21
Company: WELLS FARGO & COMPANY
State: MA
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:
There Is an inquiry that was placed on my credit report on XX/XX/XXXX by XXXX XXXX  XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if XXXX XXXX XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX  XXXX verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX  XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX XXXX & TRANSUNION that my loans were discharged closed with XXXX balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX  in my XXXX inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXTRANSUNION they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXTransunion transefered to another lender there is only one lender.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I do not know the XXXX XXXX XXXX account showing on XXXX XXXX 
I have previously Disputed this unknown fraudulent 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 2019-07-21
Company: SYNCHRONY FINANCIAL
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:
RE : SYNCB/Amazon XXXX  XXXX XXXX XXXX, FL XXXX RE : The following inquires needs to be removed immediately. 

Creditor Name : SYNCB/Amazon Date of inquires : XX/XX/2018 Date of inquires : XX/XX/2018

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 2021-04-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX This call took place at around noon, XX/XX/XXXX I had noticed that there were some unusual activities on my credit report. I called Midland Funding to find out why I had 3 chargeoff that were not there before. After a few rings, I was greeted with hello my name is and I am debt collection agent. I had asked numerous times as to his full name without any luck. He kept interrupting me and saying I owed this much and I have to pay in full or payment. I was told to make payments of XXXX dollars a month until the debt was paid off. I ask if he could explain how it got on my name. he did not explain. All he said was its under my name. I either had pay or the collection will stay on for 7 years. He added that if I want the calls to me to stop I had to agree to pay. I said dont i have the right to ask about the collections and how it came about. He said, dont you know the law if you dont pay. You job and wages will be garnished. He ended the call by saying call us back when you have funds to pay.

All 3 collection companies below to one entity.

Midland Credit management Midland Funding Midland Funding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, my Checking account with Wells Fargo was incompetent, as I was experiencing fraud. They had stolen more than {$2000.00} out of my checking account through Wells Fargo. Wells Fargo did not even alert me of this big purchase, I had found out myself by checking my bank account at a random time. It was devastating cause they had did it twice, stolen {$2000.00} out of my account twice, and I wasnt alerted both times. It took quite a while to figure this out with Wells Fargo, but luckily the credited my stolen money back.

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 2023-01-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Just realized I have been charge Card Security Fees each month. This month alone the fee if over {$120.00}. I was never asked if I wanted to sign up for card security. I would like a full refund of my fees. This card security is automatically added, and as a consumer who works and spends thousands each year at lowes it needs to be addressed why they can add this without consent. This is not authorized by 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 2019-07-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : TD Bank XXXX. XXXX XXXX XXXX, MI XXXX Re : To remove inaccurate information on my credit report To Whom It May Concern : I obtain a copy of my credit report and found the following items to be an error. 
Here are the items listed as errors : The following inquiries needs to be removed Creditor Name : TD Bank Date : XX/XX/2018 Date :XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On or about XX/XX/XXXX, I submitted a payment in the amount of {$620.00} to Navient. I stated that I wanted this amount to be applied to the loan ( principal balance ) that at the time had a balance of {$1000.00} ( 1-12 Direct loan unsubsidized ). The money was not applied to this loan. I do not know where it was applied, but it was not applied to this specific loan. 
I did not realized that it was not applied to this loan until recently. I called Navient today, XX/XX/XXXX. After 26 minutes, no one came to phone, and they ended the call. 
I am calling again. As in the first call, a recording would say that I have certain number of callers before me, as I continued to wait the numbers of callers before me would increase! Impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: MI
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/XXXX, XX/XX/XXXX andXX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: CA
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:
This is the follow up to my complaint about the innacurate acoount to Experian. This account is reporting innacurate. Please update this account. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$570.00}

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 2023-04-14
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called multiple times to this company and they are not willing to work with me and they dont want to send me a report with what is owned nor a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Credit Bureau of Carbon County
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
" NEW ISSUE '' STOP MARKING COMPLAINTS AS DUPLICATES. DOCUMENTS ARE BEING ATTACHED AND YOUR NOT RETRIEVING THEM. THIS IS AGAINST THE LAW. PLEASE DOWNLOAD THE ATTACHED DOCUMENTS. I HAVE UPLOADED THEM HERE AT THE CFPB BECAUSE YOUR COMPANY SEEMS TO FOLLOW PARTS OF THE LAW YOU CHOOSE RATHER THEN FOLLOW THE LAW 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently summons to court by a company called Wakefield and Associates Inc. XXXX XXXX XXXX XXXX. XXXX no XXXX. I asked for a continuance to hire an attorney because they are violating the fair credit reporting act law and I have legal right to counter sue. I do not owe Wakefield and Associates. I have not received any communication by phone by wake field and associates other than a court official saying I have to go to court for them. I also like to make note that I have been a victim of fraud which is why this is necessary. I also like to make note I have filed Bankruptcy in XXXX and all medical bills were included. And was informed all debt collection activity must cease.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Transunion, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.

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