BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 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 2019-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 XXXX XXXX XXXX and Portfolio Recovery Associates reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and XXXX XXXX XXXX. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from XXXX XXXX XXXX sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 with information that doesnt belong to me and was not done by me under fraud. A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time, 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 2023-01-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged XXXX overdraft fees of XXXX for not having enough funds and Wells Fargo was still approving transactions. This has happened since XX/XX/2022 when I opened my account. When I spoke with them they were unable to help or reverse the fees

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 2019-06-03
Company: KEYCORP
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 at approximately XXXX XXXX, I was reviewing my account online and saw two unauthorized charges one for {$190.00} and one for {$220.00}. The charges were transfers out of my account via XXXX, which I do not use to a person I do not know. I immediately called the bank and began the fraudulent transaction process over the phone. I had them capture my debit card and send me a new one. 

I have had no communication from the bank since then and I currently do not have my funds returned or any of the fees that they have charged after returning the items that the {$410.00} were meant to cover. I called the customer service phone number at the end of the first week and all they could tell me was that it was in process. I was able to find a direct number for the fraud department and I called, but the greeting was recorded to dissuade customer 's from speaking with someone. The number is XXXX, I suggest that you listen to the message. The message basically says they have 10 business days and there would be no information available prior to that. 

Today is the 10th business day and since I do not have my funds returned and available for my use and these are definitely fraudulent transactions they are in violation of REG E. This act of fraud against me has certainly caused me much hardship. I have had to contact the creditors that I had paid with these funds. I have had impact to my standing with them and I have returned check fees and late fees that are now applied to my account. I have had to borrow money from family and friends to make ends meet and I am getting collections calls and emails even after contacting my creditors. 

An event that is already awful was made worse by the callous, uncaring, and very unfriendly customer process with this bank. Key Bank did not handle this well at all and once this is resolved, I will be leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My rights are constantly being violated & disrespected by XXXX credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removedXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-01-03
Company: EQUIFAX, INC.
State: MI
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:
Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are 59 UNAUTHORIZED withdraws against my checking account that I did not authorize between XX/XX/XXXX / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony Bank XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's

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 2019-06-03
Company: Peer Advisors, LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I filed the Deed-in-lieu paperwork for the existing reverse mortgage that is held by XXXX XXXX. The Reverse Mortgage Servicing Department stated this process would take 3 to 6 months to complete. We are now entering the 9th month and the DIL process is costing the estate many months of additional insurance payments and real estate taxes that need to be maintained and paid on the property. 

I attached a WORD doc with a chronological order of email correspondence between myself and XXXX ( rep ) of The Reverse Mortgage Servicing Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: VA
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:
Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: HYUNDAI CAPITAL AMERICA
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: Reporting company used your report improperly

Complaint:
Reporting an error, Not my account. Please remove

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 2023-06-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did all this before by a nice conversation with someone regretfully i did not write down their name. 
Back in XX/XX/XXXX i started working with XXXX XXXX at Wells Fargo trying to get my payment lower as my savings in the bank with nothing left but monthly social security check. It was impossible to pay {$1200.00} a month with social check of {$1400.00}. 
So i was told not to worry she would send me forms and tell me documents to send. 
I did all that. She sent me an email XX/XX/XXXX that everything looked good, She is send it up to adjusters to get a mortgage payment of {$500.00} to {$900.00} and then i will start paying again. 
They sent be a Forclosure earlier this year and i got XXXX to represent me, There payment was to take {$750.00} every 3 months to get my payments down, Then they put my house on auction for XX/XX/XXXX. I Have Begged them to let me start paying every month but will not let me do anything. 

I was told get a trailer for $ XXXX.to {$350.00} a month 1-2 bedrooms. 
I NEED immediate help i am having XXXX XXXX and i do not know if i can live through another XXXX XXXX, Any suggestions. phone 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 2018-11-27
Company: EQUIFAX, INC.
State: TX
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:
My husband and I are trying to get a home loan, and the lender is not able to pull my Equifax credit report. I have spoken to two different Equifax representatives, and they are telling me that they can't find me in their system ( don't know how that is possible ). To my knowledge, I do not have a credit lock or freeze on my account, but if I did, I would think that Equifax would be able to tell me that. However, they have not given me any such information, and I do not know how else to get the problem resolved so that my lender can pull my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: AL
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:
Listed an account on my credit report with two 30 day late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including complete accounting of this account.. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Yes sir, In the beginning I was getting a loan and then my loan got sold to a third-party commercial loan. I dont know what status the loan is that its a commercial now or is it federal student loan. I filed for XXXX XXXX bankruptcy protection and under this protection I thought commercial loans would be forgiven can you please look into this for me thank you my bankruptcy finalized XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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: Information belongs to someone else

Complaint:
XXXX  and transunion are stating that the address XXXX XXXX XXXX XXXXXXXX ga XXXX belongs to me and they are falsely reporting this information to the credit bureau and anything tied with this address as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX does not belong too me and should be remove from my credit report. below i have documents to prove my most updated information. 

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

account XXXX acount 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 consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.

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