BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am owner of XXXX and not getting paid past XX/XX/2002. I used to get direct deposit into wellsfargo 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 2023-06-21
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2022-12-05
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXXXXXX 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, has violated my rights. 

1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
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. 

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, has violated my rights. 

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 2023-06-29
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closed on home XX/XX/21 with Roundpoint Mortgage. 
XXXX ( XXXX XXXX ) did not lock rate at 2.875 as he was supposed to and then tried to lock in 3.00 % which I did not agree with and he refused to honor the 2.875 % I had to beg to speak with his supervisor ( XXXX XXXX ) who then agreed to the 2.875 % rate. 
However, they did not inform me that I would be charged for the rate. 
They added an additional {$4200.00} ( 0.78 % ) onto the closing costs the day of closing. 
This is illegal, they were supposed to inform me they would be charging for the rate and provide the disclosure at leat 3 business days before closing - not the day of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Information belongs to someone else

Complaint:
XXXX XXXX on my credit report ( experian, XXXX, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my experian I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, XXXX and experian. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from Experian, XXXX and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and XXXX removed but experian still didnt remove it

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 2020-11-10
Company: EQUIFAX, INC.
State: NC
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:
Equifax continues to report a collection account on my credit that does not belong to me. The account is missing the name of the collection agency, and Equifax refuses to remove the account even though it's not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Account information incorrect

Complaint:
XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.

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 2018-11-09
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 at an XXXX XXXX I bought a {$200.00} Mastercard gift card, issued by U.S. Bank.

On XX/XX/2018 I went online to register the card. I discovered it had been registered to someone else. In addition two purchases were not mine : XX/XX/2018 {$160.00} at XXXX XXXX XX/XX/2018{$4.00} for XXXX I called the customer service number on the back of my card. I was instructed to fax three pieces of information : 1. front and back of gift card 2. government ID 3. receipt of purchase OnXX/XX/2018 I faxed that information, accompanied by a cover letter.

I have received no response.

OnXX/XX/2018 I called again. I was told no live person can help me, and I must fax the information again.

I've read on online forums that fraud is prevalent with U.S. Bank-issued Mastercards. I've read that U.S. Bank will not respond to consumer complaints of fraud. I've read that a resolution is offered only through a CFPB 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 non-monetary relief
Consumer complaint received 2015-07-10
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: GOLDMAN SACHS BANK USA
State: PA
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 Account ( XXXX ) # XXXX, # XXXX, # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/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 2020-09-17
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 several times regarding the unauthorized credit inquires. I called the companies listed and their response we dont have that information contact the bureaus directly which I been doing this is the 4th time. Please delete these inquires off my report as its a against the federal fair credit reporting act to report wrongful information. I have contacted this company XX/XX/2020, XX/XX/2020, and XX/XX/2020 with no results or notice. I provided my current electric bill and ID every time these letters were sent so theres no reason why I have been ignored. I kindly ask, please resolve this issue.

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 2023-06-28
Company: T.S. Holdings
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.Q Data International Inc has a {$6800.00} bill on my credit report. I do not have a contract with them. I sent a debt validation letter via certified mail in XXXX and they sent back some kind of bill with only codes and amounts. No signed contract validating the debt. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-11
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in bankruptcy but have since been dismissed in XX/XX/XXXX. I made payments to the trustee and those payments went to the mortgage as I had no other debt. Fay Servicing is my current serviced and they are claiming that last payment posted was to the XX/XX/XXXX payment. I requested a loan payment history on XX/XX/XXXX. I have not yet received my loan history and have since requested it and spoke with representatives from Fay multiple times. ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) Additionally i was sent an assistance package which I completed and faxed in on XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX on how to fill it out after not Reaching my account XXXX and leaving him a voicemail. XXXX stated XXXX to send in paystubs And I followed accordingly. Fay is not accepting my assistance package now per some time limit stating they do not have a complete package because of paystubs though I did exactly as instructed by the representative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}

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 2023-06-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received an itemized bill. Also gave my personal information to a 3rd party debt collector with out my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account with TD XXXX was handle, by an Attorney with XXXX XXXX XXXX XXXX, the account was Dismissed. Plus XXXX XXXX been Deleted This account, But I don't know why it is still lingering after. 3 years. 
Now i get a letter they have sold the account XXXX XXXX XXXX XX/XX/2022. This is why people credit is messed up now, because it is allowed for charge Off, Paid Off & Dismissed Account to resurface. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want be contacting anybody else regarding this ( Fraud Activity ) except The Federal Trade Commission next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive been trying to fix my credit or get credit because i have no history. So when i get notifications about my credit i check them right away. On XX/XX/2020 i got a notification that an account has been updated on XXXX that my credit had dropped so i immediately checked and there was a high impact in collections. ACCOUNT RESOLUTION SERVI is the collection company and the account was open XX/XX/2020. I haven't been sick seen or been to a Er/physician in 2 yrs nor have i had health insurance since XXXX when i was on XXXX. I have never received a letter or phone call or anything having to do with this company till XX/XX/2020 when it appeared on my credit.

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 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was repossessed, the company is saying that it wasnt, I havent had the vehicle in XXXX years 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