BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Wells Fargo has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. Wells Fargo and XXXX then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet XXXX  is the only bureaus who would not take my police report serious If it was mine it would be paid!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been paying 11percent interest on {$18000.00} loan for the past 21yrs, I have paid roughly {$46000.00}. on this loan, they keep changing loan companies every time I start to pay extra on my principal payments this is XXXX XXXX c/o PHH Mortgage service and others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have gone back and forth with Equifax so much over the last few years that it is absolutely ridiculous. They are reporting incorrect data on my credit report and refuse to remove it. I have gone back and for with the companies that supposedly have report these fraudulent accounts to Equifax and even after the companies themselves have written to Equifax to have the negative items removed, they still refuse to do so. Most recently, i filed a dispute with Equifax in XX/XX/2019. I guess they received it today because now i can not view my report or score on myequifax.com or my other credit monitoring site ( XXXX  XXXX ). When i log into my account, i get a message telling me to call customer service. After 3 failed calls and being on hold for hours, i finally get a rep who hangs up the phone in my face after verifying my identity. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 2022-01-15
Company: Experian Information Solutions 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:
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 non-monetary relief
Consumer complaint received 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 I talked to Bank of America about releasing the {$10000.00} check to me from my homeowners insurance company. They said they would get back with me. They didnt get back with me. About a month later, XX/XX/2020 I talked to them again and they said that they would accept 10 % of the current outstanding payment and recalculate the rest back into the loan and recalculate payment as they would any other time. They would take the 10 % from the {$10000.00} check and release the rest to me. I understand things have been slower with COVID, but Id really like to get this taken care of ASAP and I know that Bank of America would like to start receiving regular payments again.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX continues to furnish a account that is not mine and I have had this deleted from XXXX and XXXX due to the fraud. If sent any numerous of letters showing stating the fraud.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and 10 months from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

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 2023-06-08
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with Fay Servicing for about two years. The loan status is currently in default, but this is because of fraudulent action. The original creditor admitted in writing that we were current and on time on payments, but filed foreclosure on us anyway. Foreclosure mess has been ongoing for nearly 13 years in total. The current issue with Fay Servicing is that their actions now fall under harassment. We get calls almost every week from their autodialer system, and when a Fay representative gets on the phone, they are asking me why I called them, when I didn't call them. Every time I ask them questions, I get contradictory answers. Within the first two months of speaking with Fay Servicing, I had been told no less than seven different asnwers to the question of " who owns the loan ''. It keeps changing Two weeks ago, I was told that XXXX XXXX is the investor. The week before that, Fay Servicing told me the investor was XXXX XXXX XXXXXXXX, which is a trust. I have received paperwork from Fay Servicing identifying itself as the mortgagee. This issue is currently pending before a court, and within 45 days, Fay Servicing will send me completely different answers as what they just provided to the court. Fay Servicing claims multiple different amounts owed -- as much as more than {$70000.00} difference between them. Fay Servicing has informed the court near the end of XXXX that the original promissory note had been lost many years ago ... .Fay Servicing just told me in a letter from XXXX XXXX that the note was never lost. All Fay ever does is provide dishonesty. 

Fay Servicing is bound by state and federal law to provide only TRUTHFUL responses to these questions. They are literally trying to take my property and with every new lie, the rabbit hole gets deeper and deeper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. 

These are fraudulent inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX I - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.

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 2021-02-10
Company: Federal Adjustment Bureau, 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:
This request is in response to complaint # XXXX with FABCO. I never received a mailed validation letter validating this debt as you claim. Please forward me ( mail ) proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. A bill, account ledger and payment history does not validate the debt. I demand that all references to this account is deleted and removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It XXXX Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, XXXX, and TransUnion - are inaccurately reporting a {$1900.00} account for " XXXX All Goods XXXX that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623. 

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged overdraft fees when I was told differently in 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 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
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 " National credit systems '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an 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 2023-09-02
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 checked my credit report and I found several accounts that are not mine, I have limited time to check my credit report because I'm living most of the time in XXXX. Here I will include the accounts that are fraudulent and also an FTC report. 

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When my credit is being reviewed companies are saying accounts are mine that done belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
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:
It seems that my credit file with XXXX and Equifax has been compromised. Upon reviewing my records, I've noticed numerous entries that are not associated with me. As I am meticulous when it comes to research, I've discovered that, according to section 605b of the FCRA, the Credit Bureaus are legally obligated to remove these unauthorized inquiries, which have resulted from identity theft. These disputed inquiries are not part of my history. I've attached the necessary FTC Report and the bank 's records, as both parties necessitate them based on my further research. Kindly proceed to eliminate these inquiries. If there is a chance that these inquiries are legitimately mine, I will require all documentation bearing my signature. My research has indicated that you are required to verify these inquiries with 100 % accuracy to confirm their authenticity, correctness, completeness, and verifiability. Failure to provide any records and asserting that the inquiries are verified would compel me to pursue legal action. I do not tolerate games, and neither does my attorney. Therefore, I kindly request that you comply with the law to expedite the resolution of this matter : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit 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 explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: CO
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:
AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE XXXX   XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

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