BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
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 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 2023-01-05
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX, we have called Fay Servicing many many times to file for loss mitigation/refinancing options and have complied with submitting all documentation/proof they requested and one time we have all documents another time we don't ... .We feel they were railroading us so we couldnt keep our house! And all of those months I have proof of sending pay stubs, applications, verifications that they were asking for. On the XXXX of XXXX, the representative said she had everything to submit it to the underwriters all I had to do was submit more pay stubs on on top of the XXXX XXXX that we already sent. I have proof of sending those pay stubs on the next morning to be approved and put with the application to be submitted to the underwriters I called today to check on the status and they said they never got the pay stubs and that it's too late I explain explained to the lady that we submitted all of that information every month from XXXX to XXXX but now our house is going up for foreclosure on XX/XX/XXXX and I guess it's too late even though they said that we had a chance after we submitted everything they needed can't get a clear answer from no one in that company and every time we call somebody has a different answer than the last person!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint about my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SCXXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX XXXX XXXX Balance : {$600.00}

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 2023-01-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I received via USPS letter from XXXX 's dated XX/XX/2022 that stated my credit application has been denied. Next day I received a letter via USPS from XXXX XXXX XXXX stating the same. I filed neither of these applications. Then I called the three credit agencies and verbally communicated these facts and asked to take these actions/inquiries off my credit history and established credit alert and security freeze. I was told to submit a police report, which I filed and submitted to XXXX today, ( via postal mail ), and, now am filing with FTC ( via CFPB ) here as per instruction by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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: Information belongs to someone else

Complaint:
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by TD Bank of XXXX. I make my payments via XXXX XXXX XXXX/. I have made all my payments either on time or in advance except for XXXX, XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX TD Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately $ XXXX/mo. {$600.00}. more than my house payment would have been ) to keep my things in storage and live in temporary housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My information was. In a data breach and multiple accounts were opened in my name I have disputed these accounts and they are still not taking it off my credit

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 2021-07-13
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 belongs to someone else

Complaint:
i was in XXXX  when account was open from XXXX XXXX  XXXX, XXXX XXXX on XXXX i contacted the police and credit bureaus the amount of loan was 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 2021-07-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know if PHEAA is federal or private, but they just popped up on my credit reports on XXXX, 2021 with a massive debt. This account is not mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
This is not accurate. 

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 2022-11-16
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a pay pal account under the name XXXX XXXX. I use that sometimes to order stuff on line. On XX/XX/XXXX I ordered a pair of shoes on my Cell phone using my PayPal account not knowing it would come from XXXX. when I received it I noticed it was not the right fit. So I tried to return it to where it came from. I got no response from the store they tried to send me gift cards and asked me to donate the shoes. The transaction was for XXXX dollars. I contacted my PayPal credit to see if they can help me return the material and get my money back. They did. They finally were able to get the store address and they told me to send it back with a tracking number. This was filed on XX/XX/XXXX I did that I uploaded the receipt from USPS. I made a mistake in reporting the tracking number. I emailed them on XX/XX/XXXX to let them know of the correct tracking number. 
they responded that you don't worry and be patient. They are working on it. 

Till today they send an e-mail saying oh the case is denied because I have not provided the right tracking number. They closed the case and they are not going to open it back up. In the process I had to pay money for the postage and send my shoes back and ended up with nothing. Why are they closing the case so I could not update my information in the first place.? why they did not contacted me to find out about the right tracking number?. When I e-mailed them they told me not worry and now this is what I get back. I asked to talk to a manger or someone else no this is it. Of course they have been paid so they don't care. Is there a way that I can get some protection through you guys?

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 2022-12-23
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: Account information incorrect

Complaint:
Experian has added a collection to my credit file that is inaccurate and it is currently affecting my ability to secure a place to live. 

XXXX XXXX XXXX Account : XXXX Amount : XXXX I have no knowledge of this account. Also checking my reports and speaking to XXXX and XXXX they have no knowledge of this account and are not reporting this on my file. 

This inaccurate account is greatly affecting my life in many different ways.

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 2019-08-09
Company: Adler Wallach & Associates, 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: Was not notified of investigation status or results

Complaint:
I requested a validation from the collection agency and they did not submit any kind of validation. USPS TRACKING INFO : XXXX XXXX XXXX XXXX XXXX XXXX ( Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, CA XXXX. ) The alleged debt that they say I owe has account information for the last payment made on the account being XX/XX/XXXX. The statue of limitations in the state of California for a written contract is 4 years. ( CCP 337 ) ( XXXX XXXX XXXX  XXXX XXXX   XXXX ) Currently it has been over 4 years and they are continuing to collect on a debt which makes them in violation of ( Civ. Code, 1788.14 ) ( XXXX XXXX XXXX  XXXX ) Not to mention that they are denying me a validation like I requested. California also has very strict laws in regards to what documents MUST be provided in the event of a request for validation. ( California Code, Civil Code - CIV 1788.52 ) ( XXXX XXXX XXXXXXXX ) Since they can not provide the validation they are reporting to the credit bureaus without verification and this violates a plethora of laws. ( 15 U.S.C. 1681i ( FCRA ) by repeatedly reporting inaccurate information due to this violation of federal law, I have a right to seek remedy as it has caused me damage in how I am viewed by lenders, and terms of loans received. 

More laws they have violated : Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received said ITEMs, This was several years ago as I reached out to XXXX, XXXX, USPS, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MO
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:
Dating back to XX/XX/2023 I submitted a dispute through the creditor Experian and the Consumer Financial Protection Bureau, at that time i was disputing the improper use of my credit report based upon 15 usc 1681 Permissible Purpose. Ive shown how they have improperly used my report, reporting erroneous negative information causing my credibility to be questioned and at times denied. Can you please advise them to do whats right and remove these errors as I will seek Litigations if not removed promptly. I have sent NUMEROUS request to have this done and now it has reached an advanced stage past the recommended allocated 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 2019-05-08
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXXthat is what is owe on my credit report .But when I called to settle they stated I owe more for several account. But I don't anything because the services for this was covered through medical needy insurance.I submitted all the documents and ask them to take it off my credit report not as paid, but taken off completely. Because it been paid

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been in contact with Transunion via snail mail, certified letters and also waiting on the phone for upwards to an hour every single time to speak to someone and then having it take 45 mins to an hour to speak to the representative from TransUnion. 

I have asked on several occaisions to FIX all the NAME variations of my name and REMOVE all the names from my files and leave me with my ONE AND ONLY legal name which is : XXXX XXXX. So far they have not gotten that straight. 

Also, there are 3 different social security numbers in my file which is also incorrect. I've asked them to fix this on several occaisions in writing as well as over the phone. It has so far been taking them 3 months!! to fix this issue. In the meantime my credit score is showing a XXXX for TransUnion while all the rest of my credit scores in in the High XXXX and XXXX! So my credit score continues to be terrible due to the confusion over there at Trans Union. This is affecting my ability to get any loans or any other credit qualifying accounts or insurance. 

So I'm reporting the fact that TransUnion still doesn't have my name correct, my social security correct. Correct Social Security is : XXXX. 

Also, they are reporting an account that is not mine ... XXXX XXXX  for around {$2500.00}. This account is NOT in my name and should not be reporting on my credit report. I've asked for removal of this over the last 3 months and they have STILL failed to remove it. This confusion is THEIR confusion.. NOT mine. I need you to step in and END THE CONFUSION about this account. Please thank you. So I'm requesting for this account to be removed permanently from my files. Thank You. 

Also, there are hard inquiries that I have already reported to them and have police report evidence, that these inquiries are NOT mine, I never verbally authorized it or in written form. TransUnion has already been notified of these in the past. 

The inquiries to be removed from my TransUnion account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is 7 ( seven ) inquiries that need to be removed from my account. 

Please let me know when this happens. 

I'm tired of telling them the same thing over and over. 

Thank you for your help in this matter. 

Sincerely, 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 2023-06-09
Company: WELLS FARGO & COMPANY
State: GA
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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