BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to Transunion several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : ( XXXX XXXX XXXX ) # XXXX. I have even sent Transunion copies from XXXX showing that they have this account reported accurately as paid satisfactory and that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.

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 2019-08-27
Company: CU Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX with CU Recovery called my work and started harassing me. I told him to call my cell phone and he state '' if you ask me nicely ''. I have been called by him before and he threaten me, telling me that he was taking me to court and several other threats. I called and spoke to someone else that help me work out what I needed to do. I have gotten on line and paid, which I'm paying every two weeks, that I set up not the company. I will pay my bill, I had messed up my account. He tried to tell me I couldn't I had no one to complain about him to. I was out of work for a while and now working two jobs to get everything cleared away.

Company : CU Recovery , Inc. & The Loan Service Center , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX Get Directions Phone : 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 2021-04-28
Company: EQUIFAX, 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 have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
EVERY other week, for over a year now ( some ) " bank '', H & R Block owns and operates, despite their claims to the contrary ... is used for their " Emerald Card '' deposits. I've had an account for direct deposit with em since 2018. 

Three years, I've been a customer and for the last year and half of it, they have been putting a freeze on it ... ( every ) deposit, received ... EVERY TIME! Up til recently, I've been able to get them to unlock it, through nothing short of hair tearing phone conversations, to whatever country their accents are from?? 

Last deposit, 2 weeks ago, they straight up said " no '' ... when I told em to unlock it, again ... for the umpteenth time! Cause it ain't just once that they do it! I've been in line at the store, bunch of groceries and it'll just get declined ... with plenty to cover the bill! 

They ( keep ) doing this to me, and now it's my unemployment money ... and they KNOW IT. They're killing me, to keep it for themselves! 

I tried the people at, " Fair Shake '' ..they said the same XXXX as this site. You'll send em a letter and hope they respond to it. 

If this were a shoplifter, they'd already be full of holes by now! Steal people 's pension or unemployment though..and then we can just " hope '' they give it to back!?? 

Please ... ( HELP ) ... with something other then a useless letter! I'll be dead, long before it even gets tossed, into their waste basket..and I'm pretty sure they're aware of that fact!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/XXXX in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

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 2021-03-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several debt validation letters over four times and each time this company has failed to properly validate my debt. Instead, they sent a notice with the amount owed, hospital, and service date with my name which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

On the following dates I received a nonvalid response from this creditor failing to properly validate the debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

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 2018-04-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. Thank you.

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 2017-09-14
Company: COAST PROFESSIONAL INC
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Coast Professional calls my cell ~twice a day and recently they called my office - speaking to 2 colleagues of mine prior to me. I have written them asking to no longer be contacted, but they call while I am at work every day when I can not take personal calls. Calling my office is aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This dispute is due to Transunion and other credit bureaus such as XXXX and XXXX using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion numerous times from XXXX 2017 until the present. I have filed numerous disputes via online and over the phone with a representative that XXXX inquiries recorded on XXXX XXXX, 2017, one by XXXX XXXX and the other by XXXX were not authorized by me. Transunion has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Transunion delete the inquires immediately.

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 2019-02-20
Company: Experian Information Solutions Inc.
State: CO
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:
To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my Experian Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX  they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by Experian that I needed to call the XXXX back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call Experian to remove the inquiry after I made it clear that I wasn't going to business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I contacted XXXX  and Experian regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave XXXX or Experian any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I went to " XXXX.XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

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 2020-01-29
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 a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional 30-year loan with US Bank Home Mortgage. I have never been late with a payment. I recently changed insurance providers and paid for the next 12 months in advance to the new insurer. I called US Bank to request that insurance be deducted from my escrow account and to recalculate the escrow to a new ( lower ) amount. 

US Bank sent me a letter saying that I had to pay {$330.00} as an " escrow waiver fee ''. Because I accepted the bank 's discount for the bank to escrow my insurance, I forewent having to pay this fee. The fee is equivalent to an eighth of a percent of my unpaid principal balance. 

Today, XXXX XX/XX/2019, I called the bank back after receiving this letter to complain about this fee. The customer service representative repeatedly said that since I waived the fee at closing, hence the discount, the bank would be reinstating the fee. 

I believe this is an unfair banking practice because the bank is basically saying I have to pay them a fee for them NOT to provide the service of escrowing my home owners insurance and then paying it on my behalf. I am an adult and am capable of paying the insurance company directly, and then providing the bank proof of insurance payment. It's ridiculous that I have to pay the bank a " fee '' ( whether at closing or later during the serving of the loan ), NOT to take an action. This is extortion : " Pay me to not provide a service ''.

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 2023-04-06
Company: EQUIFAX, INC.
State: ME
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. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation