BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-01-21
Company: EQUIFAX, INC.
State: NY
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:
This is in response to CFPB complaint XXXX. Company not allowed to collect debt in my state. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a loan with Caliber Homes and they force me to escrow the money for taxes and insurance. In years past they mailed a payment for the taxes in early XXXX. this year they had not mailed a payment towards the end of XXXX. I reached out to them to find out why they had not mailed out a payment to pay the 1st half of the taxes. Their response was that the taxes had been paid ( in XXXX of 2020 ) and were up to date. Funny thing is I then check back after I made the inquiry they mailed a check, which made it impossible for the county to process it by the deadline. They also assured me that the taxes will be paid on time. Well going on to the county 's web site I see that they have not still been paid, or now late and interest is accruing. I have tried to contact them multiple times and constantly get the run around and a non-answer answer from them or a delay in response that it will take a week to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: IL
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 been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Investigation took more than 30 days

Complaint:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX Account name XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 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 2022-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I got a call from someone claiming to be a Wells Fargo representative, claiming there was an attempt to wire {$3500.00} from my checking account to another bank, and I needed to take steps on my wells fargo account to " return '' the money. The call came from a wells fargo number and the person sounded very professional, etc. They had me log on to my online account and had me take several steps while they were on the phone such that somehow my account sent money to another bank via XXXX in the amount of {$3500.00}. I opened a fraud claim with Wells Fargo and they did an investigation. Although they admitted it was fraud, they would not reimburse me for my loss. This appears to be in violation of CFPB regulations.

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 2018-01-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I inquired with XXXX XXXX for new service. They said they would run a soft credit check to be able to provide service. I was very clear with them that I would not authorize a hard credit check and the representative assured me it would not show on my credit report. 

The HARD credit check immediately showed on my Equifax credit report and I filed a dispute on XX/XX/XXXX.  Equifax returned the dispute saying it was a valid record and refuses to remove it from my report. XXXX XXXX refused to provide any assistance in removing the inquiry. 

I cancelled my service request with XXXX XXXX on XX/XX/XXXX before any services were provided. 

I did not authorize a hard credit check and made it very clear to the representative that a hard credit check was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was  executed on XX/XX/2018 by the XXXX XXXX XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the XXXX XXXX XXXX on XX/XX/2018. 

I just want this negative mark removed from 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 2018-07-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
12 CFR 706.3 - Unfair or deceptive cosigner practices. 
The fact that I was deliberately or mistakenly placed on this loan as the primary borrow, by the underwriter, means no proper disclosure was provided to me at the time of refinancing this mortgage. I should have not qualified to be Cosigner, since I was not on title had no legal interest in the property. Secondly, I had no legal binding relationship with the owner : no kids, no marriage, no distance relative, never reside at said property. I own owned my own homestead residence and still do. 
Today I am otherwise married for 8 years and has no relationship with the said owner of the property, I have no access to the property as it's located in a gated community, I do not know who resides on the property. 
I have no other blemish on my credit, but it is unrealistic to expect anyone to pay monthly mortgage payments of over {$2200.00} per month to prevent their credit from being ruin. 
Again, I was not given the proper disclosure since I was placed on the loan as the primary borrower.

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 2017-07-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating  the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BARCLAYS BANK DELAWARE
State: TX
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 requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 Barclays bank XXXX XXXX Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

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 explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may concern, It is XX/XX/2022 and I am in possession of the investigation results from Transunion regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, I will like to inform you that, the letter which states that your agency has verified the account as accurate is unresponsive to my demand. 
Once again, I am demanding the following documents to VALIDATE this account. A signed lease agreement baring real my signature, and the tenant receipt of key ( s ) form also baring my signature and stating that, I XXXX XXXX acknowledge receipt of keys for this landlord 's premises located on XXXX XXXX XXXX XXXX XXXX, TX XXXX on the alleged move-in date. 
This is not a request for " verification '' but a request for VALIDATION. I am requesting your offices to provide me with competent evidence that I have any legal obligation to pay them. 

Please be advised, this is a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g. 

If your offices are able to provide the proper documentation as requested in the above description, I will require at last 30 days to reinvestigate this information, during which time all collection activity must cease and desist. Also during validation period, if any action is taken which could be detrimental to my credit report, I will consult my legal counsel for suit. This includes any listing of and information to a credit reporting repository that could be inaccurate or invalidated.

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 2023-06-07
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:
Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Experian credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Experian. 

In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiries be deleted from my credit report immediately. 

- XXXX XXXX XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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 explanation
Consumer complaint received 2021-09-15
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have case me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from XXXX at XXXX ET on XX/XX/23. It is the Chase Customer service number. I was asked if I was attempting XXXX wire transfers in the amounts of {$9300.00}, {$9400.00}, and {$9100.00}. I said no. I was told that the transfers were still pending and that Chase could reverse them. I was then directed on how to supposedly reverse the transfers through my app. I unfortunately did what I thought was right since I assumed this was Chase calling me when in reality they were scamming me to send money. The callers then tried to get me to do another transfer. I hung up and called the number XXXX back. It went to the actual Chase Customer Service/Fraud Security center XXXX I explained what happened and was told I was the victim of a scam. I stayed on the line and filed a claim. I was then told my claim was denied since supposedly I initiated the transfers when in actuality I was scammed into thinking I was talking to Chase and fixing the issue. I have phone records showing the incoming call from the Chase number. I did not initiate this ordeal. I went to my local Chase bank in XXXX, OH and had the branch manager assist since my initial call claim was going nowhere. The claim is now open and under investigation. I have also spoken with XXXX to try and figure out how someone was able to clone the Chase customer service number. All of the transfers were to XXXX XXXX. The routing numbers for all three wire transfers were XXXX. The cities were, XXXX, FL ; XXXX, TN and XXXX XXXX, FL. One of the account numbers was XXXX. I have had many scams attempted before and have been able to catch them. The only reason this one was successful was because the number calling me was a reputable Chase number I have called many times and is recognized. I want to know how this number was able to be cloned from an international bank no less. I also want to know how this is not considered the definition of fraud and my money is not insured for this through Chase. I am sure I can get the additional account numbers the money was sent once I talk to Chase and get the details from my account. This is the best I could find on my own. This is a lot of money and I can't afford to have it lost. This would not have happened if Chase had better cyber and phone security. I need this problem solved asap and my full amount refunded. I have done nothing wrong and look forward to any assistance I can get. Thank You

Company response to consumer: Closed with explanation