BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, Transunion, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXXXXXX -not mine XXXX XXXX XXXX  XXXXpayment never late I have not received a response from any other the credit agencies.

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 2019-07-20
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 have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month

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 2018-05-20
Company: CITIBANK, N.A.
State: MD
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:
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: MA
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:
An undersized inquiry was placed on my credit report I used a XXXX XXXX link that stated there be no impact to my credit rating to find out my interest rate for a potential 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I do not have a debt or a contract with XXXX XXXX XXXX and they are reporting inaccurate information on my credit report on TRANSUNION. 

I dont give them permission to report this information and ask for an immediate removal

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 2019-07-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
Canceled debts are considered income per the IRS and can not be reported. 

Publication 4681 ( 2022 ), Canceled Debts

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 2019-07-20
Company: Choice Recovery, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on XX/XX/XXXX to see TWO accounts with FOUR trade lines for Choice Recovery for XXXX XXXX   XXXX that are invalid. I have never received any correspondence about any of the accounts listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act.  I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. 
XXXX - XX/XX/XXXX - {$400.00} XXXX - XX/XX/XXXX - {$520.00} Reporting this is a HIPAA violation as I did not sign any HIPAA release with XXXX XXXX XXXX to have my information transferred to another agency. Once XXXX XXXX XXXX sold the accounts, they are no longer valid to collect on as all responsibility on my part was absolved with the violation of my HIPPA & privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Resurgent Capital Services L.P.
State: WY
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:
I checked my credit report to see an LVNV FUNDING LLC reporting inaccurately for XXXX XXXX My XXXX XXXX account is current and open, not delinquent and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions 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 have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month

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 2019-03-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
MY complaint is with CFPB and the complaint I had filed against Wells Fargo! I was notified today that a response letter was in the complaint file and the complaint was closed before I even saw the letter!

The person LIED about set fees when my son tried to cash the check that was on a Wells Fargo Checking Account! We were CHARGED {$20.00} from the teller who waited on us!

WhaXXXX XXXX XXXX is NOT cheated out the Presidency AGAIN! Because ALL of you needs a XXXX overhaul! Lazy good for nothings!

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 2023-08-11
Company: Experian Information Solutions Inc.
State: OH
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 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank 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 non-monetary relief
Consumer complaint received 2022-09-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a demand letter from XXXX XXXX XXXX XXXX XXXX regarding old credit card debt with Wells Fargo in the amount of {$6000.00}, which indicated that I had been repeatedly advised about this debt and had failed to respond and comply. This is not true, as this is the first contact I'd had with XXXX & XXXX. In addition, the letter stated that I would be sued if I didn't remit payment and/or contact their office by XX/XX/19. Today, on XX/XX/19, I called XXXX & XXXX and spoke with the senior paralegal, XXXX XXXX, ID # XXXX, about the referenced account. I explained to him that the debt was too old to pursue ( over 7 years ) and that Wells Fargo had told me that they couldn't even pull up the old account. It doesn't even show on any of my credit reports, which were checked one day ago. He immediately became aggressively loud and verbally hostile with me. He continued to interrupt and talk over me, and when I calmly called him out on it, he became even more obnoxious! I simply told him not to contact me again, or I would sue them. I then hung up the phone.

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 2018-05-20
Company: WELLS FARGO & COMPANY
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Last month plus there have been several instances of obvious fraud ( online XXXX transactions over the course of a month plus outside of the area where we live ). They did not catch it and will not stop the card because it is my wife 's card. I understand that they can not give me information about my wife 's account, but a simple call to their fraud department and they would have easily seen that the charges were fraudulent, but they refused to do even that.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to put a freeze on my and my husband 's accounts at Equifax. They took my husband 's request but denied mine - I have a copy of the denial. It suggests that I mail them my information - including my social security number. Are they crazy to ask me to send my data via unsecured postal mail? They obviously do not understand security risks. 
I checked if my data had been compromised on their site and they said probably. To add insult to injury they also charged the {$5.00} fee for the freeze to my credit card even though they did n't process my request. I tried to call but after 16 minutes of waiting to be connected someone answered and hung up. When when I tried again all circuits were busy.
I have put freezes on the other 2 agencies so am only concerned about Equifax. Can you as an agency make them notify anyone who 's information has been compromised whether or not they have their credit monitoring protection? I should n't have to enroll to be protected if they are responsible for compromising my information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 - RoundPoint Mortgage sent me a letter stating that my mortgage will be transferred to XXXX XXXX XXXX. They also cancelled my autopay with RoundPoint mortgage that was supposed to withdraw funds on XXXX. 

That is very little time for me to act so I can avoid a late payment. I don't even have information regarding fifth third bank and my payment is due on XXXX. That is gross negligence setting so tight limits. How can they send me a mortage transfer notice XXXX days before the payment is due and stop the autopay? This is unacceptable and improper treatment of customers.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX  ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

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