BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The reasoning for this letter is to dispute account " XXXX '' from the creditor " Check'n'Go '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile. This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

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

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem getting your free annual credit report

Complaint:
I am unable to get any form of loan or credit because transunion is saying I cant for a reason they wont disclose. I tried to get my free credit report online. could not verify my identity, tried many times. I then looked for an email to talk to them. they don't have one. so i called them up, they could not verify me with an automated system and the automated system hung up on me instead of putting me through to a person who could help. this is extremely stressful as I cant get any form of credit and transunion refuses to offer ways to talk to me. my last option is mail and I don't own a printer. I have a XXXX and this is making this so hard to figure out why I'm getting rejected for unknown reasons. Transunion will not give me my credit report based on my factual and true identity. I have tried to talk to them but they offer no way to talk. They also tried to make me pay for my credit report and made the free report hard to find. I am extremely frustrated and don't know what to do, i feel like i'm being harassed by this company who are blocking me from getting info on why i'm being rejected. when i input my info correctly its up to them to use that info and get my identity, if they cant do that, they are doing their job wrong. if i gave them a rating on how well they did it would be 0/10. I tried going to other sites but they all require transunion to do their job, which they fail at.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$4800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}

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 2021-06-30
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On my EQUIFAX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX  and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I recently requested to remove escrow account from mortgage account and my lender is charging me {$650.00} to remove escrow account. Is that reasonable to charge {$650.00} to consumer? And also lender didnt disclose the option at closing either to have an escrow account with conventional loan.

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: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was one of the original cases of fraud with Wells Fargo Home Mortgage in XXXX. We were over our heads due to my ex-husband being " Furloughed '' multiple times per month. We had our home on the market and had a renter who was paying us and we were paying the mortgage company and had never missed a payment. We were moving to XXXX  from XXXX  XXXX  for my husbands ' new job. I called during our move because my final paycheck ended up going into someone else account, due to an error at the University I worked for. I called to tell Well Fargo that the payment would be a week or two late, because of that. I was asked if I wanted to go into forbearance. I said no. From that month on, when I made a payment, it came back to us and I was unable to get an answer as to what was going on. Shortly after our renter started getting foreclosure notices on the door. Wells Fargo even took out an insurance policy of their own on the home, telling me I didn't have one, and billed us for it. It was nearly 4x what my policy was in cost. 
Our renter, having decided the foreclosure notices were accurate, despite me telling him it was not true, split, leaving the house a mess and not paying for several months rent. 
We finally got an offer on the home in less than 6 months. My agent and myself kept sending documents for a short sale approval. For another 6 months, Wells Fargo said they didn't have the documents, they couldn't read them, and more excuses. I even paid {$40.00} to OVERNIGHT and SIGNATURE REQUIRED delivery. Those documents I was told were unreadable when uploaded, same as all the others. I even used Well Fargo bank in XXXX XXXX to fax the papers to the correct department, and we were told they were still unreadable. 

Needless to say, after the buyer backed out ... don't blame them. We filed bankruptcy to get out from underneath the nearly year and a half of XXXX I went through on the phone hours per day with countless individuals. I may multiple complaints to the Office of the Comptroller and every agency including XXXX  and more. We got a {$4.00} check years later and otherwise have never heard anything else. A friend today sent me an article about Well Fargo finally paying out up to {$24000.00} for mortgage fraud and that they were supposed to contact us. I have YET to hear from anyone and if there is anything I can do to get even just a fraction back, I would be thrilled! I have been unable to get financially stable since this event and it led to my divorce and in part to my XXXX XXXX at age XXXX. 

I still have most of the documents from this and can prove everything. Please let me know what I can do now.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-12-20
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: Was not notified of investigation status or results

Complaint:
I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I received an alert someone tried to open an account for XXXX XXXX credit which I did not authorize. Please remove immediately from my consumer report.

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 2023-01-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complain with CFPB XX/XX/XXXX CFPB XXXX. 
CHASE reference number XXXX Chase has once again denied my claim on XX/XX/XXXX. stating CFPB XXXX stating " customer advised PIN was written down in your wallet that you stated was lost '' I never said I had the pin written down anywhere, their representative " suggested '' and I said " Well no!, I have a code system that I can only decipher '' There is NO WAY people are able to know those specific codes because the ACTUAL PIN number WAS NOT written anywhere in my wallet. I had no problems with my other credit card companies and XXXX bank, they saw unauthorized transactions did in fact happened. clearly saw I was a victim of credit card fraud. 
If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, XXXX terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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, 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 2022-03-08
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.o. box XXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report

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 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Fraudulent transactions totaling {$1400.00} Cleared in my card XX/XX/XXXX. Reported the fraud to BOA same day. BOA added temporary credit XX/XX/XXXX. XX/XX/XXXX mailed letter saying investigation complete. Credit permanent. Claim closed. XX/XX/XXXX letter mailed saying claim is closed, credit to be debited from account. XX/XX/XXXX BOA withdraws {$1400.00} from my card. In daily phone calls with claims and customer service BOA lies and tells customers EDD took the money. XX/XX/XXXX BOA admits it was a bank error. Promises to amend error and Reopens claim. XX/XX/XXXX, still no resolution, no information and BOA has failed to return funds or provide requested documentation on investigation or claim, in violation of federally regulated zero liability consumer rights under Protected under section E of account agreement. 
Need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: OR
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX account has violated my rights 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 15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting 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 2021-04-08
Company: Complete Professional Recovery LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company Complete Professinal Recovery accocount popped up on my credit report on XX/XX/XXXX and this company is trying to collect a debt that was from XX/XX/XXXX and that i included in bankrupty with the original creditor on XX/XX/XXXX. The company states that this account has been reporting on my credit report since XXXX but I spoke with an agent at transunion to verify and they said that they do not see this company anywhere on my credit profile from XXXX to current. Nor have I ever saw this company on my credit report ( I have old copies ) This account was also opened but not by myself. The Also the original creditor removed this credit account from my credit report in XXXX. And they are the ones who were included in the bankruptcy 5 years ago not this collection agency. and according to the and according to the XXXX siteThis collection agency also isnt licensed to collect in the state of illinois which requires a license

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
Credit card account from USAA has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this USAA and to come to an understanding to resolve the issue. A resolution has not been met. USAA has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. 

I do not wish to establish any credit card account with USAA. Please see attachment regarding unsigned authorization to re-establish the account on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation