BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I submitted a dispute to Experian, XXXX, and XXXX. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX XXXXXXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC 1681a, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. Experian, XXXX, and XXXX are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.

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 2022-10-05
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Our home equity loan of XXXX which was originated with XXXX  was transferred to WFSF. The loan was paid in full and we received a letter stating that it was paid in XX/XX/XXXX. We are going to settlement on a new house and through the title search we found that WSFS had not notified the XXXX XXXX Recorder of Deeds of the transfer of the loan or that the loan was satisfied. The buyer 's lawyer contacted WSFS and was told to forward the title search and a request for a copy of the mortgage satisfaction. This was sent by the law office via email. No action was taken by WSFS for weeks. I called the customer service line on XXXX and was told that I needed to submit a copy of the title search and a request for a copy of the mortgage transfer. I went to a branch office on XXXX since we were settling on XX/XX/XXXX to see if I could get any help in expediting the process. I was sent a letter stating that the loan had been paid via email and forwarded the same to the recorder of deeds. The recorder of deeds informed me onXXXX that WSFS had not provided the necessary documentation to clear the loan. She stated that WSFS was aware of the process that needed to be followed. I called the customer service line and was told to provide a copy of the title search and a request for a copy of the loan satisfaction document and that it would take 2 weeks, meaning we won't be able to settle on our house.

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 2023-08-10
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-24
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my 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 2021-12-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
responding to complaint ID XXXX In a letter from XXXX XXXX XXXX XX/XX/XXXX XXXX he stated I will be provided refund by XX/XX/2022, but now he's saying no refund for you

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-17
Company: Sovereign Lending Group, Incorporated
State: OR
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:
On XXXX I noticed a hard credit inquiry from sovereign mortgage company out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted XXXX to file a dispute and after doing so they told me to file a report through this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I received two emails from Capital One stating that I had been approved for a XXXX XXXX XXXX card and that my phone number had been updated. I never applied for a card from Capital One. I created an account using my SSN and found that it was registered to a phone number that was not mine. I called Capital One and they canceled the account and opened an investigation. 

Today ( XXXX ) I received three emails from XXXX. One email said that my XXXX credit card was approved. Another said that I had updated my phone number to XXXX ( which is not my number ). The third email said that my XXXX Total Checking application was being reviewed. I have never applied for any sort of XXXX card or banking account. I called them and they canceled the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had purchases made on my account that I did not make. PNC Bank said that they would investigate once the payments posted. The charge was made on XX/XX/XXXX, and payments posted on XX/XX/XXXX. 

I called on XX/XX/XXXX to check the status of the investigation, and I was informed that no investigation was filed or started. I'm currently out {$1800.00}, and I've been informed that it may be up to 10 additional business days before any action/reimbursement will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested from the three major credit bureaus Transunion, XXXX, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting 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 2019-12-24
Company: C/C Financial
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with XXXX for a company called Mechants Preferred LE. The address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am a victim of identity theft. Someone has been taking out a lease on something for {$7000.00}. The date it was opened was XXXX XXXX. I have already filed a police report and told the company and XXXX, but know one is doing anything. At this point if you all can't help I will have to file a police report. This is the second time someone leased something in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$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 2023-08-10
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:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$37000.00} ; 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 2023-11-22
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2019-12-24
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems continued to harass me on the phone about fraudulent debt. They said they were debt collecting on behalf of XXXX, my cable/Internet provider in the amount of {$880.00}. The date placed for collection was XX/XX/2019. 
I contacted XXXX, who confirmed my account was and has always been up-to-date and paid in full. They have zero documentation of sending any past due amount to a collection agency. My cable/Internet has also never been cancelled due to non-payment. 
I sent a dispute of this claim to XXXX, which was fully processed on XX/XX/2019. They indicated that it was " Verified as Accurate '' and suggested I contact you to further investigate this fraudulent claim. 
It should be noted that this debt collector, Southwest Credit Systems, was relentless, calling me from several different numbers. I asked them for proof of the debt from the original payee, which they could not provide. They also demanded I give them my personal information before they told me what the claim/phone call was about, which to me seemed very suspect. I've also looked online, and have seen many others have had the exact same issue of fraudulent claims from Southwest Credit Systems collecting " on behalf of XXXX. '' I believe they are a scam but somehow operating as if they are legitimate debt collectors. Finally, it should be noted that my credit is excellent, and I have no reports of any accounts going into collection, or of any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account XXXX Collector : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unpaid 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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: PA
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 took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation