BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -

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 2021-08-09
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
30 Day late payment reporting was provided to the 3 credit bureaus ( XXXX XXXX and XXXX  ) in error, This error caused a drop of 82 to 95 points to my Credit Scores and reduced my 100 % on-time payment record to 99 %. Loan Depot approved my Budget/auto drafting of my account for my Mortgage Payments in XX/XX/XXXX, this action was to ensure no late payments and that my account would be paid bi-weekly. Loan Depot 's policy for auto drafting requires 2 months payments paid in advance ( performed on XX/XX/XXXX and XX/XX/XXXX ) which covered XXXX and XX/XX/XXXX. 3 additional payments, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX were also made online using Load Depot 's website making the first payment to be paid from auto drafting on XX/XX/XXXX. On XX/XX/XXXX after logging into Loan Depot 's webpage I noticed they hadn't taken XXXX or XX/XX/XXXX drafts and no suitable explanation was provided as to why I was at fault for the missed payments. Funds were readily available an no attempt by Loan Depot was made to ensure timely payment. I took the following steps to correct the issue and get setup for budget drafting again by paying XXXX, XXXX and XX/XX/XXXX payments with the first auto-draft scheduled for XXXX XX/XX/XXXX on XX/XX/XXXX. I then filed a complaint with Loan Depot which they denied any wrong doing and that their records were correct and I filed disputes with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: First Collections Inc
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The given number is my employers number. XXXX collection called my office number in an attempt to collect a debt. When I asked if that broke fair debt collections practices act, representative XXXX said no and supervisor XXXX hesitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I asked credit reporting company to verify that the information on my credit report is reporting correctly. The credit reporting agency said they did so I refreshed my credit report to see that it still say that my credit report wasn't updated and I still found inaccuracies still on my credit report even after they said they did verify everything on my credit report. 
XXXX-Account # XXXX is this account and in accordance to the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.

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 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These are multiple inquiries that all appeared on the same day. I do not have any open accounts connected to any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Nelnet, 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: Account status incorrect

Complaint:
In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call dept of education and was advised that my discharge status is in good standing and provided me a letter from dept of EDU. The dept of EDU said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from Dept of EDU stating of the incorrect information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello, my name is XXXX XXXX, i purchased a cashiers check on XX/XX/2015 from my bank ( chase ), through my checking account. The cashiers check is valid for 7 years, however I went to chase bank today to cash my cashiers check, only to be told that my check is not valid and it could not be cashed. They instructed me to contact Indiana Unclaimed Property Division, which I have done and currently waiting on a response. I have the actual check in my possession. I would greatly appreciate it if someone can contact me regarding this matter. I can be reached a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX 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.

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 2023-01-19
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested. 

To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations. 

I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed. 

I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Investigation took more than 30 days

Complaint:
I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charged me fees when I had a 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 2019-05-03
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: Old information reappears or never goes away

Complaint:
XXXX XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my experian credit report. The credit report does not have any detail information regarding this account. I am requesting Experian remove this from my credit report. I also would like to have XXXX XXXX, XXXX, and Experian validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

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 2022-08-09
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: Account status incorrect

Complaint:
This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.

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 2021-04-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX  monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.

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 2023-03-31
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
They violate my right I ask them to not to call me and they keep calling me 5/10 times a day. I register my number to do not call list and they still call me while XXXXm sleeping or Im working. 
I want a compensation because they violate my right.

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 2023-03-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank is leaving me daily voice-mails. I have NO accounts with them. I have verified this on all 3 of my credit reports. No accounts have been opened by me or anyone else. I believe they are attempting a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Well every time I called about a fee they said it was correct and I never got any of my my back so I closed the 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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX  XXXX, XXXX XXXX  XXXX and 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief