BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- COLLECTION ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 information incorrect

Complaint:
XXXX XXXX XXXX for XXXX XXXX Apartments. I lived in XXXX XXXX XXXX. I was evicted. To this day I cant tell you why. The attorney representing XXXX XXXX claims XXXX XXXX sent me a letter dated XX/XX/XXXX advising that eviction had been failed because I failed to recertify. The court documents detail the reason for eviction was unlawful detainer with {$0.00} money owed. 
In XXXX of XXXX, I told XXXX XXXX ( XXXX XXXX staff member ) that my fianc was moving to XXXX and we would probably be looking for a house. She explained the month to month clause built into the lease. She asked me to give her a 30 day notice if I was going to move out and I agreed. My then fianc moved to XXXX, AL with his XXXX XXXX XXXX son XX/XX/XXXX. I came home one day in XXXX of XXXX and the letter dated XXXX XXXX, XXXX was on the door. I went to the office to find out what was going on. It turns out per XXXX " There was miscommunication and power struggle '' going on between XXXX XXXX management and I got caught in the middle. XXXX referred me to XXXX because the issue was " above her pay grade ''. XXXX told me to disregard the notice and gave me an updated lease to take to the school to enroll my step-son. I took the lease to XXXX XXXX XXXX and enrolled my son. Shortly after that, I received an actual eviction notice. I responded to the complaint. I did not understand because I was a model tenant. I was quiet. I did not owe any money. After receiving the eviction notice, I still paid my rent but the attorney representing XXXX XXXX sent it back to me. 
The attached eviction complaint says that I was evicted because the lease expired. The statement of claim say I owe {$0.00}. In XXXX of XXXX, XXXX XXXX XXXX sent my money order back claiming my lease has expired. XXXX XXXX XXXX, XXXX ruled on XX/XX/XXXX that if I moved by XX/XX/XXXX I would not have to pay anything. I rented a XXXX XX/XX/XXXX. I placed the key in the drop box XX/XX/XXXX. I did everything I was asked to do and they reported {$2100.00} to the credit bureau without notice ; or an explanation. I have disputed this false reporting through Equifax, XXXX, and XXXX. I provided the supporting documentation and they did not conduct an investigation. As a matter of fact, the Equifax rep deigned receiving the supporting documentation until I provided a tracking #. The corporate office of XXXX XXXX can't tell me why the {$2100.00} is being reported because XXXX XXXX has a whole new staff. The apartment was left clean. I paid XXXX the cleaning lady to clean and take pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 fraud alerts or security freezes

Complaint:
I requested my credit freeze be lifted on XXXX in order to allow me to apply for financing for a large purchase. Myself nor the lender have been able to pull my TransUnion score up to this date. The lender is receiving a response from TransUnion indicating that the account is frozen. The lender only uses TransUnion so i have been unable complete the transaction. I am about to lose out on the opportunity to take advantage of a promotional interest rate that expires in 5 days. TransUnion 's website says there is an error when trying to lift the freeze and gives no option to resolve the issue other than calling a customer service number. I have called this number several times. The department that initially answers the call is unable to assist and attempts to escalate to another department. I have never been able to actually speak with this second department despite waiting on hold over an hour in some cases.

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 2023-05-14
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 to the Fair Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

16 U.S.C. 1681 section 604 Section 2 It also states 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 2019-08-28
Company: EQUIFAX, 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:
I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on Equifax - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A loan I had with Wells Fargo Home Mortgage was transferred to XXXX XXXX XXXX in XX/XX/2019. XXXX XXXX XXXX claimed, according to the information that they received, I was 30-days behind on a loan payment, which I was not. I requested that Wells Fargo please tell me which month their records show I missed payment, so that I could show my bank statements proving they had received payment. I had requested this full payment history from Wells Fargo for months before they transferred the loan, yet they never provided this information. XXXX XXXX XXXX also claims it could not provide this information, as they only have the payment history sent to them from Wells Fargo. Instead they have requested that I fill out an application to pay this extra payment on the back end of the loan. I want a full accounting from Wells Fargo, their records are incorrect, and I have bank statements to show my payment history.

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 2017-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2021-04-05
Company: Consumer Portfolio Services, 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:
I did not authorize anyone employed by these companies to make any inquiry and 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 copies of any 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. 

CONSUMER PORTFOLIO XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB Officers, At XX/XX/2018, I received an official email from PNC bank, stating if I make two bill pays, I will receive a {$15.00} bonus afterward. I made the two bill pays at XX/XX/2018, but I still didn't receive the {$15.00} bonus until today. I have contact PNC bank multiple times, but the representatives only told me that I would receive the bonus soon, but they refused to investigate this issue from their end for me. So I sincerely request you to contact PNC bank to send me the {$15.00} bonus as I have completed the bonus requirement. I have attached the original email for your review.

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-08
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2018-10-11
Company: Choice Mtg INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a signature loan with XXXX XXXX in XXXX that is behind. I have asked them repeatedly not to call my work number but they continue to do so. 
Voicemails and call logs can be pulled if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3400.00}, {$1600.00}, {$5500.00}, {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute to Transunion regarding a Public Record ( Bankruptcy ) on my credit report via their online dispute mechanism on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Transunion to verify this information and show me how they had verified this information. 

XXXX XXXX NEW JERSEY DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CH XXXX BANKRUPTCY DISMISSED/CLOSED Responsibility : Individual Debt Court Type : US Bankruptcy Court Plaintiff Attorney : XXXX XXXX XXXX Transunion closed my dispute one day  later on XX/XX/XXXX saying they had verified the information. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX XXXX NEW JERSEY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX No information was provided as to how they verified the information. 
I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus. Furthermore, the court was closed on XX/XX/XXXX as it was a public holiday ( XXXX XXXX ). 

There is no way that this information was correctly verified.

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 2020-12-04
Company: EQUIFAX, 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:
There are numerous accounts listed on my report as collections that I have no knowledge of. These accounts are a result of malpractice or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CREDIGY USA CORP.
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: Old information reappears or never goes away

Complaint:
Item is still showing on my credit report as negative information even though bankruptcy has been discharged since XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Old information reappears or never goes away

Complaint:
I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$03.00} Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.

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 2019-10-31
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:
EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : 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 non-monetary relief