BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}

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 2021-11-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been in touch with Wells Fargo to work on eliminating my PMI ( ~ $ XXXX ). I was directed by Wells Fargo ( Phone : XXXX ext XXXX ) that I could submit my documentation in request to remove my PMI on XX/XX/21. On XX/XX/21, I submitted my documentation and spoke to a Wells Fargo Loan agent ( at the number listed above ), and was directed to mail my forms, submit my check and await further direction. I am requesting to utilize the option to " Cancel PMI using new property value '' as provided by Well Fargo. 
On XX/XX/21, I called Wells Fargo back to check on my status. The agent I spoke to told me that due to delays with the US Post Office, they have not received my information. The agent also told me that I should just keep an eye out for Wells Fargo to deposit my check and await for ~2 weeks after the check is deposited before someone will reach out to me. -- this process sounds unreasonable because at that point, I would have waited a full month, and in turn paid a month of PMI, in which I should have been qualified to remove. This is an unfair business practice, as I have already submitted all required documentation, provided all of the information necessary and was even quoted a property value by Wells Fargo, to ensure that my property qualifies for the PMI removal. 
Based on the data that I have, and the responses from Wells Fargo, I feel that they are lying/cheating me and probably many other customers out of paying extra for PMI which should be removed from my mortgage. I asked the Agent how long do I need to wait, and if she could give me an estimate or commit to a reasonable timeline, and she said she could not. The response I received from the Wells Fargo agent was " we can not do anything until we deposit your check ''. -- this response tells me that I as the consumer, and incurring costs because of the shortcomings of Wells Fargo. In theory, if Wells Fargo chose not to deposit my check, I would be forced to continue paying my PMI each month until they choose to cash my check. OR, more plausible, they are forcing me to refinance my loan so I would need to pay more money, in order to remove PMI, which I am lawfully owed through this existing process. -- This has all the elements of a scam.

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 2021-11-16
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 acknowledge your efforts in addressing and rectifying the fraudulent entries within my file arising from an alleged incident of identity theft. However, there remain unresolved items that necessitate your attention for removal. This marks my third complaint as a victim of identity theft, and I am diligently submitting disputes for the contested entries resulting from this criminal activity. The items under dispute are unrelated to any transactions involving the acquisition of goods, services, or financial resources that I have either made or authorized. For your reference, I have attached my new FTC Report XXXX XXXXXXXX. Kindly expunge the reporting of the following items from my credit file, which are the repercussions of the alleged identity theft : 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim. of identity theft, please remove the following hard inquiries : 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 non-monetary relief
Consumer complaint received 2019-09-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX XXXX XXXX, have tried to contact Navy Federal Credit Union about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. NFCU will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the XXXX and with out it show on my credit report which is negatively effecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: TX
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:
Unauthorized inquiries on my credit report. Unauthorized inquiries are as follows. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I tried resolving the matter directly with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: MS
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 declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 item identify item disputed by name of source XXXX XXXX XXXX XXXX, To which Transunion is reporting ( inaccurate ) on my report because it is being describe was paid in a bankruptcy to which it was not. XXXX XXXX was paid by myself. I had and XXXX XXXX XXXX XXXX requested that the item be deleted from my file upon ten time and Transunion has not complied with the request.

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 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is a fraudulent account. I sunmittted the police report and theft affidavit but transunion has refused to remove the account let the fcra 605b

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 would like to make a complain about Equifax. I am trying to check the status of my account and there is no way to do so. I tried calling them and I was unable to get through to them. I am unable to connect to someone who will help my situation. 

I do not think its fair that one of the 3 major credit card Bureaus has such terrible customer service when they affect the lives of so many. 

Ultimately I want to unfreeze my credit from Equifax as it is frozen now. I can not do so if I can't even log into my account. I have tried logging in from different computers, phones, and web browsers. I feel the only way to fix this is to talk to a rep from Equifax. That may seem like a simple solution but it's very difficult to talk to a person from Equifax who can help my situation. 

I have read reports onlne that it can take weeks to even months to log back into your equifax account. 

I have had this account for over a year now. My information is accurate as I get regular credit reports from Equifax as well from XXXX and XXXX. 

I do not know why I can't freely checked the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in the forbearance plan for 3 months and me and my lender had an agreement on the repayment plan which is a 6 months repayment plan, I've been paying for 2 months and on time, they filed negative info to all 3 bureaus for 60 late, I called and questioned them but their answers was this is my true status, my account is still being late and delinquent. According to the CARES Act, during the forbearance plan or lender and borrower have reach a repayment plan right after the forbearance, lenders should report the account as current NOT delinquent, lender should not report any negative to any bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: CITIBANK, N.A.
State: AZ
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:
Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor Citibank Citibank 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.

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 2023-03-01
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CT, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA, XXXX Re : Equifax Data Breach : SSN XXXX DOB XX/XX/XXXX I am writing because I was impacted in the last Equifax data breach. After a review of my credit report, the following unauthorized and unrecognized hard inquiries were discovered on my report. 
They were not authorized by me. Attached is a copy of my FTC complaint # XXXX filed for this issue. 
Pursuant to 15 USA 1681n, I am entitled to up to {$1000.00} per violation. 
Please delete these inquiries from my Equifax report so as not to take legal action against your agency. 

DATE COMPANY XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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