BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX XXXX became our new lender after processing through XXXX  On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX  and XXXX XXXX XXXX sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from XXXXe XXXX XXXX ( XXXX  ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX XXXX and TransUnion. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX, in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM XXXX XXXX XXXX on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and XXXX XXXX XXXX, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.

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 2018-12-05
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I just want to say that I was unable to access all three of my reports due to technical difficulties and not being clear on how to navigate back to annual credit report.com to view the other reports. This needs to be fixed and repaired. Now my only option if I want to see the other two credit reports is to pay for them? How is this a government safety net that I get free credit report if I dont understand how to navigate back to be able to see them all? Guess I have to pay for them now? NOT FAIR!  Terrible terrible & awful website navigation icons/directions. 

So what do I do now? Im buying a house and I need to be able to look at all three of my credit reports and now I am unable to because they say Ive already gotten it for the year. However as I explained above I was unable to navigate back and look at the other two reports. Also Equifax said that they were unable to provide my credit report online that I would have to mail away for it.So how  my supposed to repair my credit or check it if Im unable to see it? I have to qualify for a loan in 30 days I cant wait for Equifax to mail me a report, if they get around to it, and I dont want to have to pay for it because I am entitled to a free credit report from all three bureaus which I did not receive. I received one from XXXX. I need my credit reports. please get back to me XXXX or email me at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late as of XX/XX/2017 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit has repeated attempts to send me letters that has nothing to do with me. They have repeated broke 15 usc 1692b, 15 usc 1692 f, 15 usc 1692 e, including other violations. They have even made claims that I made payments to them and have plans set up and I have never talk with them and they never respond to my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, 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 {$9600.00}. 
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 balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
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. BAXXXXK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

XXXX : Transunion XXXX XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of XXXX. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear XXXX : Although I have a conventional fixed rate mortgage with Wells Fargo ( WF ), a well documented criminal enterprise, I have been instructed by WF to first make payments to " XXXX XXXX XXXX XXXX XXXX  '' which first refused to acknowledge my timely payments, dunned me with incessant calls and letters saying payments were not made which had been made, XXXX up my credit with false late payment reports and then after I complained here, blamed me for not sending them my bank statements although I had sent certified return receipt letters from two bank managers showing all payments made. This was a corporate attempt to illegally put me into default and foreclosure and steal my equity. Nothing was done about the dunning or the credit damage inflicted although I believe my account was corrected for the payments that had not been acknowledged. I say I believe because even though I am an XXXX  the escrow and Account Activity Statements sent by XXXX are incomprehensible ( I think purposely so ). So first Wells Fargo disassociates itself from the attempt to steal my equity by using XXXX and now it looks like I am being set up for another round with this new company " XXXX XXXX XXXX '' which is instructing me to send a payment {$97.00} higher than what I paid WF and {$29.00} higher that what I paid XXXX. Since this CFPB   doesnt really do anything but keep records I am making this record so that that when I figure out how you are stealing from me by making my payment higher each year on a fixed rate mortgage and hiding it in incomprehensible documents and how many other people you are doing this too i can make you pay. Sincerely, 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 2020-05-06
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Navy Federal Credit Union XXXX - This debt is not valid. It was being delivered from a car dealership and the car never showed up. I do not owe this debt as I never took possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXXXXXX XXXXXXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am submitting this complaint about XXXX XXXX. The company representatives ARE RUDE AND UNPROFESSIONAL. They contacted me about a debt from an old apartment community where I worked and lived. They never explained the debt break down and have added interest on the debt and it is negatively affecting my credit score every single month. I am currently trying to purchase a home and I am unable to move forward in the process. This company has failed at communicating with me to resolve this issue. The original balance has now increased by {$1500.00}. This is a balance from XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a Wells Fargo customer and when I signed in to my account a few weeks ago to print out my direct deposit information for my new job it gave me someone else 's routing number and account number. I only noticed yesterday ( XXXX ) because I had n't received my check. I signed back in and printed the same form again, this time the same form had my account information. I went by a Wells Fargo branch earlier today ( XXXX ) and spoke with a banker, I brought both forms, mine and the wrong one. He pulled up the account that was n't mine and confirmed that my check had been deposited into a business account in California, belonging a man I have never heard of. He kept the form containing the other person 's information. I have no idea how I was given someone else 's information through my own account, and now they have my money that I worked for. I want to know how this could have happened and how I am supposed to trust this business with my money when they are so cavalier with their customers account information. I lost my first check at my new job because Wells Fargo made a serious security mistake.

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 2023-01-23
Company: Commonwealth Financial Systems, Inc.
State: TX
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.

Common Wealth Finance, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: REGIONS FINANCIAL CORPORATION
State: MS
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:
i am writing because i have sent regions bank on XX/XX/2018, 2 different letters asking them to verify the accounts that i am responding to concerning these accounts.By law, they have 30 days to respond before they violate the law.these negative items are damaging my credit and causing me great grief.

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 2019-04-04
Company: American First Finance, Inc.
State: IL
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 about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: Medical 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 was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  I XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company PERSOLVE LEGAL GROUP is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

PERSOLVE LEGAL GROUP is now trying to collect {$16000.00} for a car that XXXX   XXXX sold at auction 5 years ago.XXXX XXXX  DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation