BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of 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
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: LHR Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter from XXXX XXXX, XXXX sent to my parents home stating I have been served in regards to a lawsuit from Wells Fargo Bank, NA. I was never served! XXXX XXXX, XXXX. XXXX XXXX # XXXX XXXX stated in my letter that I was served. I have only received the letter she sent to the court. The lawsuit is against me and other people who are supposed to be heirs to a XXXX XXXX XXXX who is deceased. It is regarding a foreclosure on her property in XXXX, Florida. I am being sued to pay for her debt. I am not an heir to this person, I have no idea who this person is and I did not sign a promissory note. I live in California and this is in Florida. I do not know how my name is involved in this. The case number is XXXX in the Circuit Court of the Fourth Judicial Circuit in XXXX XXXX Florida. XXXX was fraudulent when stating I was served. I can not believe an Attorney would lie in a court document. I do not know how I am involved in this case as all I have is the copy of the letter she filed with the court and through my conversation with XXXX XXXX XXXX XXXX # XXXX ), who also works for XXXX XXXX, XXXX. I contacted Wells Fargo Foreclosure Department to find out why they are suing me when I've never been a customer of WFB. They then transferred me to XXXX XXXX at 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 explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-27
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: Personal information incorrect

Complaint:
Have sent multiple attempts to Experian, XXXX and XXXX disputing incorrect names and addresses

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 2016-02-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX from my credit report!!!!! 

You must remove the inquiry for XXXX XXXX XXXX from my credit report!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is regarding Private Mortgage Insurance ( PMI ). not an option of the radio boxes. 

In XX/XX/XXXX I sent a letter to Lakeview Loan Servicing requesting that PMI be stopped at 80 % Loan to value. My loan achieved 80 % XXXX  in XXXX. They responded with a letter stating that I needed an appraisal and a 75 % XXXX. I had checked the CFPB website as well as speaking with the mortgage company that sold us the loan. My understanding is that PMI should be stopped at 80 % XXXX  and must be stopped at 78 % XXXX. Apparently Lakeview Loan Servicing is not aware of this regulation. Our home was assessed at the time of refinance and valued at {$360000.00}. Loan is up to date. 

On XX/XX/2019 at XXXX XXXX I spoke with an agent of Lakeview Loan. He told me that my loan a conventional mortgage has the PMI come off at 75 %. ( Lakeview Loan claims to record phone conversations ; it may be possible to request a transcript ) I spoke with XXXX. 

Current state of our loan is : ( as of XX/XX/2019) Current Principal Balance {$280000.00} Current Interest Rate 2.87500 % Payment Amount {$3500.00} Property Value {$360000.00} Please see CFBP pdf document : XXXX XXXX XXXX page XXXX, in at least one examination, CFPB examiners noted that a servicer incorrectly applied an investors 75 % PMI cancellation XXXX threshold to the original value of the property, instead of the 80 % XXXX threshold required by the HPA

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 2023-12-12
Company: Block, Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ordered from a new site XXXX not many reviews for it but decided to still purchase. Upon receiving the item, I notice theres a noticeable stain at the front. I contact the company and question the condition, they claim its brand new. I feel otherwise about it so I ask for a return since this item was sold to me not in the condition the website claims. They respond back that its final sale. Sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a ststement of {$1800.00}, serving billing period XXXX XXXX, payment due date XX/XX/XXXX, from my credit card ending XXXX Visa of Wells Fargo XXXX 
I schedule to my bank XXXX XXXX  to make a payment on XX/XX/XXXX ; I checked the payment done by XXXX XXXX  and I read the statement done to Wells Fargo on the date scheduled, XX/XX/XXXX. 
Suprisingly, on XX/XX/XXXX, i received an email from Wells Fargo saying thet my statement mentionned above is due. 
I respond back that my payment transaction shows on my account with XXXX XXXX that was done on XX/XX/XXXX. After that I called XXXX XXXX to confirm that my payment was done as shown on my account, they said yes was done, maybe Wells Fargo did not clear the payment. 
I called Wells Fargo, I told them that my payment was done by my bank, they said they did not receive any check, to wait until Friday XX/XX/XXXX to receive the payment check. 
On XX/XX/XXXX I received the next statement, where I noticed I was charged with a late fee {$25.00} and a charge named total interest {$40.00}. Considering my payment done on time, XX/XX/XXXX, show my wright attitude as a customer, the late fee and other penalty charge is for people not willing to pay, or showing a consistent intention to pay late, I alloways pay full and on time.

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 monetary relief
Consumer complaint received 2023-03-27
Company: LEXISNEXIS
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:
REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Convergent Resources, 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:
In accordance with the fair credit reporting act Convergent Accounts # xxxx XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a bank account at Suntrust for many years without any monthly maintenance fees. A couple of years ago, this bank was bought by Truist Bank. Starting last fall, they started charging me a monthly maintenance charge of {$25.00} without notifying me. I found out after they charged me for 7 months - for a total of {$170.00}! 

They did not notify me about these charges. They only offered me to refund {$75.00}, which is still not fair. They should not have made the unauthorized charges. They should have notified me about these pending charges and offered me an alternative type of account that has no maintenance fees- like I had at Suntrust for many years. 

If they refund me {$75.00}, they still owe me {$100.00}.

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 explanation
Consumer complaint received 2022-05-17
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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

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: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I got a voicemail on my home phone from someone representing the Department of Education stating I qualify for a better repayment plan. On XX/XX/XXXX I contacted the phone XXXX. I spoke to a woman who said there is a push from the department of education and lawmakers on the student debt crisis. She spoke very good English and I could hear other conversations in the background about student loans/rates etc. She said I was overpaying from XXXX and said by the end of the loan term after paying it off, i'd pay over XXXX almost double what my loan amount was originally. She told me I would only pay a total of XXXX. She said there will be a larger payment over the course of four months of {$260.00} and then it would drop to approx. {$80.00} pending final loan amount. At no point did she say there were fees or what that XXXX would be used for and towards. She also said I qualified for forgiveness of the loan after 10 years, which is not true because I don't work for a non profit or govt agency. XX/XX/XXXX is when another payment of XXXX is to come out. 

On XX/XX/XXXX, I received my first mailing. It said at the end of my term, it would be over {$80000.00} paid WAY more than XXXX and Far more than the XXXX. XXXX was not even XXXX according to my last statement. 

On XX/XX/XXXX, I received a courtesy call from XXXX asking me if I was aware someone was accessing my XXXX account and FAFSA information. My email had been changed to XXXX which is not correct. The auto debits were stopped all through XXXX. 

There was a lot of misleading information especially about the final payoff, if it's a government loan whether it's XXXX, XXXX or Fed loan directly everybody should have the same payoff amount. No fees should be accepted. 

at :XXXX XX/XX/XXXX, according the letter rec 'd on XX/XX/XXXX I can cancel within 10 business days of the dated letter XX/XX/XXXX. I went ahead and I canceled the loan consolidation process. I have also been in contact with XXXX to keep the loans with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Rent Recovery Solutions
State: NE
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:
My Fianc and I were both named on an illegal collection attempt by Rent Recovery Solutions on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXXXXXX XXXX ( Not XXXX  XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. 

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment.

The {$570.00} was claimed owed in excess of the security deposit.

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, XXXX has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to XXXX AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does XXXX see differently? 

No justification was provided from Rent Recovery Solutions at any point when we requested, via certified mail, documentation for proof of debt. Rent Recovery Solutions responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.XXXX XXXX XXXX  XXXXXX/XX/XXXX
2.portfolio recovery $XXXXXX/XX/XXXX

inquries
1.XXXX XXXX
2.XXXX XXXX  
3.XXXX XXXX na
4.XXXX XXXX XXXX  na
5.XXXX XXXX 
6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HUNTER WARFIELD INC is reporting on my credit that I owed them {$3200.00} which I do not owe. They are stating they are collecting for a property management company that I do owe. They have not provided me with documents that verify this debt nor have provided me with anything letting me know about this debt before they reported it on my credit. This debt is not my. I have found out that they have been reporting this inaccurate information for over a year now. Something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX Regional Acceptance Corp filed a dispute with XXXX a county for {$20000.00} in dues owed after vehicle was repossessed and sold. 

Reached out via email and phone twice last year and sent a letter in XX/XX/XXXX requesting information on how to begin payments to resolve debt.

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 2023-03-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This are all inquires that I did not do myself or approve to be done. This is a part of aggravated identity theft.

Company response to consumer: Closed with explanation