BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: BSI Financial Holdings, Inc.
State: VI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On three occasions I have submitted my monthly mortgage payment to BSI. I have received confirmation emails each time. The funds have not been taken from my account and I continue to receive delinquent payment notices. I have contacted BSI and received no assistance. 

Dates payment confirmed as processing : - XX/XX/2020 : {$1600.00} - XX/XX/2020 : {$1600.00} -XX/XX/XXXX: {$1600.00} Online form to BSI requesting assistance and follow-up : XX/XX/2020 Delinquent Notice letter dated XX/XX/2020 despite two previous payment confirmation emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file an official complaint against Wells Fargo & Company concerning XXXX unauthorized transactions totaling {$1800.00} from my account. Despite filing a claim with Wells Fargo regarding these transactions, my complaint was denied without adequate resolution. 

I discovered the aforementioned unauthorized transactions on XX/XX/2023 and immediately contacted Wells Fargos customer service to alert them. I followed the requisite procedure and filed a formal claim on XX/XX/2023. 

After providing all necessary details and documentation to support my claim, I was notified on XX/XX/2023 that my claim had been denied. No clear or satisfactory reason was provided for the denial. 

I am deeply concerned not just about the unauthorized transactions, but also about the seemingly arbitrary manner in which my claim was denied. The lack of a clear explanation and resolution is distressing and leads to diminished trust in Wells Fargo as a financial institution.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, XXXX, TransUnion, and 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 2020-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -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 2021-03-28
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}

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 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


1. XXXX XXXX XXXX - XX/XX/XXXX - {$4000.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX. XXXX XXXX - {$1000.00} & {$360.00} ( respectively ) 3. XXXX XXXX - XXXX XXXX XXXX - {$460.00}

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I logged onto my XXXX account today & saw there was a XXXX  XXXX account listed on my page. I have never had an XXXX  XXXX account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX  I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!

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 2017-09-12
Company: I.C. System, 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: Account information incorrect

Complaint:
In XXXX of XXXX, I received a letter in the mail notifying me I had a debt. I called the collection agency and set up a payment arrangement for my XXXX account. I advised my representative that I do n't need this going to my credit report but I do n't have the money to pay the full amount so I set up XXXX dollars a month. I checked my credit yesterday the XXXX of XXXX and it was reported for the amount of XXXX XXXX.I called the company and asked what happened and she said my payment arrangement ended and that they reported it. I was n't aware the balance went up and nobody tried to contact me to make me aware that the payment arrangement had ended. This is completely unfair and unprofessional. Me as a consumer, called and set up an arrangement to resolve my debt. They did not handle this right.

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 2022-05-22
Company: Oklahoma Student Loan Authority
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: Account status incorrect

Complaint:
I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; OSLA account shows XXXX balance ; Has been reported as delinquent to all 3 credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. 
THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. 
THE ACCOUNTS ARE ( XXXXOPENED ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for account : XXXX XXXX XXXX # XXXX, which is a collection account on my credit report. The credit bureau updated the account which made me ask How did the credit bureaus verify this collection account as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion keeps violating the fair credit reporting act 15 U.S. Code 1681i Re-inserting debt on to my credit report, Transunion is a very sneaky, and malicious reporting agency, they violate the fcra committing 15 U.S. Code 1681n, and 15 U.S. Code ss 4504 without a care in the world, 2 accounts were disputed one account tht was by law supposed to be deleted 3 yrs ago, and it is a tax lien, Transunion keeps verifying that it is not a tax lien, even after they recieved the tax lien paperwork, this is clearly willful neglect on their part continuing to report it, it is an old account that is 3 yrs past the statute of limitations for credit reporting, they refuse to remove it which is causing damage to my credit, they are not supposed to be reporting tax lies, once I again I will submit through the CFPB the tax lien document, that shows it is a tax lien reported by transunion, they are required to delete it, they don't care about being sued whatsoever, second account they are reporting negatively is a public record which is an eviction by XXXX, XXXX XXXX XXXX XXXX, it was closed by transunion, and deleted, transunion sent a letter stating they were going to delete it, but they re-inserted back in my credit without a five day notice which is another violation of the fcra, it is a liability on their part they need to delete that account immediately before they get sued, I should not have anything negative on my credit report, they need to follow the FCRA, and remove those items before I sue them for willful noncompliance. My credit score should not be in the low 600sit should be in the 700s, they need to fix my report now.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2021-04-10
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advance America has been calling and harrassing me for months. They are looking for a person named XXXX XXXX. I've never met this person and am the sole user of the phone I have. I have never dealt with Advance America and have no outstanding debts of any kind. 

I have to keep blocking all the different numbers they are calling from. I called them several times to inform them the number doesn't belong to XXXX XXXX. On XX/XX/XXXX I called and a woman said she had removed my number from their system. After more calls on XX/XX/XXXX, I called again and a woman with a terrible attitude said the removal process takes 72 hours. That was obviously a lie  since I got another call today, XX/XX/XXXX. 

They've been clearly informed that XXXX XXXX is not attached to my phone number and have ignored this fact in continuing to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IA
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:
MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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:
he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX a debt was opened for the amount of {$1100.00} It was placed on my credit report XXXX XXXX Before this I received no notification of this debt or that any collection would be brought against me. 

Im also not certain if it is outside of the statue of limitation in the state of Oklahoma because it says 5 years. This would be 5 years and 5 months

Company response to consumer: Closed with explanation