BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from various creditors. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete so I pulled my report on XX/XX/XXXX to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act. Please see my dispute letter which is attached to this dispute that details the errors and compare that to what the credit report is now saying. I am demanding the accounts in question which are both XXXX/XXXX accounts XXXX/XXXX account number # XXXX and # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX   account number XXXX be deleted from my TransUnion credit. I have included an XXXX   credit report from XXXX the file from XXXX is corrupted but this file will work for purposes of this dispute. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ME
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:
Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Our company 's email account was hacked in XX/XX/2019. The hacker sent emails to our customer stating that our bank account number had changed. Our customer issued due payments against our invoices ( i.e. {$83000.00} & {$11000.00} ) to the fraud account by electronic funds transfer unknowing that these payments were issued to a fraud account. The fraud account was also an account with our bank, i.e. Wells Fargo Bank N.A. 

Wells Fargo Bank N.A. accepted the electronic funds transfer despite a complete disconnect between the beneficiary name and beneficiary account number. As the fraud account as well as our company 's accounts are Well Fargo Bank N.A.  accounts, Wells Fargo Bank N.A. knew that no person had rights as a beneficiary and acceptance of the subject electronic funds transfers can not occur. 

I have included herewith email correspondence along with corresponding document exchanges with Wells Fargo Bank N.A. requesting feedback on this error on their part. They are standing firm that beneficiary account name and beneficiary account numbers are not verified prior to wire acceptance. I believe this is willful negligence on part of the bank. Furthermore, I have repetitively requested Wells Fargo Bank N.A. to provide their Incoming Wire Security Procedure & Policy, but have been denied access even though our company is their customer. I believe this is willful deceit by the bank. 

Would appreciate if Consumer Financial Protection Bureau can review this issue and provide guidance in the matter.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX TransUnion Consumer Solutions Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 18 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and their dates are attached to this letter as-well as proof of my address, along with my social security card, and my drivers license. 

XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXXXXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX/XXXX  Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX/XXXX-XXXX  Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 Thank you for your assistance. 

Sincerely, 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 2019-04-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Bread Financial Holdings, Inc.
State: NJ
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 is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I open dispute for {$52.00} for order not received. The merchant did shipped but i never got it. The bank asked me to send a write statement and i fax it to the number that was given on the form. They took that dispute amount out of my account after speaking with case manager she  told me she never received that fax of written state and i explained that i have send that fax on the same day i got that latter. They keep saying we dont have it. its been more than 30 days. The upper management was making excuse by saying it could been technical issues the reason they never not the fax and she asked me for conformations #?? I mean i send my paper work with same fax machine you got it but when i send you written statement YOU DIDN'T?? I need my money back because the sender have no refund policy.

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 2018-01-15
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and for my surprise was 12 accounts with this company, never answer my notification, Never got any collections letters not even 1 letter, If they do please I need contact the company who sent the letter, is unfair if you dont have the option to dispute or paid before reach the 30 days mandatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 3 different collectors so far making it impossible to properly dispute.

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 2018-01-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit 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 2021-02-18
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2019-07-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I faxed Equifax my identity info and proof of address and SS number to put a freeze on my credit due to identity theft and they replied to me with a letter stating that my credentials did not match thier records, therefore they suggested I send all my information postal mail so I sent it.on XXXX XXXX They sent me another letter stating that my records to add a freeze on a child did not match thier records. This is insane because I did not even mention anything about a child. It's obvious that Equifax is fraudulent and playing games with me. I need help with this travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: CO
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 ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  XXXX  calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, 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 2018-01-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2018-01-15
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, 2018, I contacted the company in an attempt to resolve a debt. I was told that I would be emailed a offer letter the day before. The one that I received did not match the settlement we discussed. I asked to speak with the manager sending it, whose name was XXXX. He informed me that the amount owed could not be fixed because it was generated by their computer. I informed them that if they could not send me an offer letter with the discussed amount on it then I will opt out of it. I ended up speaking with another XXXX who was the Director, he stated, and he was very disrespectful, condescending, and unprofessional after I informed him that I 'm not sure if someone was lying to me about what was discussed over the phone the day prior to our discussion. He went into a tyrant and started to tell me to be quiet so that he could give me what I wanted and proceeded to engage in combative behavior with me, telling me he will not provide me a receipt for what I paid to them already and to contact my bank. He told me that this was not a Customer Service job. ( I 'm assuming for him to treat me like a human ) I do not believe that this is the job for him and he should be removed from it. After going through speaking with him, I felt disrespected, ashamed that he had me yelling and cursing, robbed out of my money, and disregarded as a human being. I was already angry and I informed him that I was recording the call to maintain for my records and I will sue them if I needed to. I was transferred back to him after attempting to contact their headquarters office to report his abusive behavior, in which he was then more calm. I informed him that I do not trust them with my information after the heated conversation that we had earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation