BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
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: Reporting company used your report improperly

Complaint:
in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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: Their investigation did not fix an error on your report

Complaint:
There seems to be previously blocked fraudulent accounts reinserted on my credit file Per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless

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 2021-07-23
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have lived in my home for 23 years and have had an interest only with a 2nd mortgage after the last refi. Wells Fargo bought this mortgage from the refi lender over 10 years ago and I signed no papers. The process was just that I was paying this lender now you pay the mortgage to Wells Fargo and it is a 30 year interest only loan. Once I stated paying Wells Fargo I noticed the 2nd mortgage was now a credit line at interest only at 8.75 % interest. I thought this was odd. <P/>I recently got a notice from Wells Fargo that in XX/XX/XXXX the loan was going to increase .50 % and change to interest and principle. I am scared to death with this change and had no knowledge that my interest only loan would ever convert to an interest plus principle loan. <P/>I have had some major life events in the past 3 years that add a significant fear of loosing my house. My husband passed away in XX/XX/XXXX and in XX/XX/XXXX I lost my XXXX figure income job due to job elimination as their business was declining. I am XXXX years old and have secured employment but at 30 % income of what I was at before. I am making ends meet by taking on a roommate and my late husband 's social security. I am barely making on the current interest only % and will not be able to pay the ( I think - {$1600.00} ) increase. <P/>I want to work until I am XXXX and stay in this house so I can retire at the maximum social security. I have tried working with several brokers to do a refinance and distance myself from Wells Fargo based on the latest legal issues with this bank. I am concerned they do not care about any of their customers and will only take out their self inflicted losses at the expense of their other customers ( me for example ). <P/>I do not want to be forced out of my house. Is there anything you can do? No one explained to me that this interest only mortgage would ever convert to an interest and principle loan or I would have handle my investments over the years completely differently. Also quite awhile ago I got a notice Wells is requiring full payment of the credit line in XX/XX/XXXX that was a 2nd Mortgage. I never signed up for a credit line and have not used it that way. <P/>Is there anything you can do to help me?

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 2020-08-19
Company: Braviant Holdings, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. 

I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. 

I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. 

Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAINE & WEINER COMPANY, 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 attempted to dispute this account multiple times. I have never had a account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was debited {$140.00} on XX/XX/2022 with Chime Bank in 2 transactions as an atm withdrawal. I disputed this immediately as I was at work all day with my card in my purse. When I contacted Chime Bank and disputed the charges, they denied my claim. This is stealing from customers and very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2017-10-26
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: Information belongs to someone else

Complaint:
XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2017-06-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a XXXX XXXX that I believed to be paid off as I was issued a Release of Lien in XX/XX/XXXX. When XXXX failed the mortgage accounts were absorbed by XXXX XXXX XXXX where it remained for several years. When XXXX XXXX XXXX got trouble around XX/XX/XXXX trouble the account eventually went on to Ditech Financial or Greentree as it was known then. When I was contacted by Greentree/Ditech They demanded I start making monthly mortgage payments as they were taking over for XXXX XXXX XXXX. I alerted them to the fact I had a release of lien and should not be making payments, I received no response, I started making mortgage payments in good faith and was current on these payments while hoping the problem would be found which it never was. <P/>I felt an obligation to as Greentree/Ditech had paid the property taxes even though I was supposed to pay them. The monthly payments started at {$300.00} a month and quickly climbed to close to {$700.00} a month, making for a financial hardship. I became delinquent in payments around XX/XX/XXXX while waiting during the investigation. I was offered a loan modification in XX/XX/XXXX ( although I never asked for one ) and received notification stating the payments were received and the modification had kicked in. Two weeks later they attempted to foreclose and denied offering any modification and stated no payments were received, Greentree/Ditech was unresponsive when copies of the payments were submitted along with the letter approving the modification which was not honored. <P/>There are over 15 written enquires which I initiated regarding the situation, all of which were answered by a letter of investigation, which was never followed up. Several of the responses, did not make any sense or relate to the questions I asked. Despite having a Lien Release Ditech continued it 's collection efforts, I was forced into Bankruptcy in XX/XX/XXXX efforts to save the property. They attempted foreclosure on 3 separate instances. It has been discovered in the course of bankruptcy that various documents Ditech produced were forgeries and fraudulent in nature, there was no response by them when they were noticed of this by them or their attorneys. Country property records do not show any tie between Ditech and the property in question. There are hundreds of pages of records documenting the information provided above and will be provided upon your request. Ditech was the subject of a XXXX XXXX dollar Class Action Lawsuit several years back for these same transgressions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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:
GOOD DAY, I AM CONCERNED ABOUT A SPECIFIC NEGATIVE ITEMS THAT IS CURRENTLY REFLECTING ON MY CREDIT REPORT BY THE NAME OF XXXX XXXX. THERE IS NO WAY ON EARTH THAT I AM LIABLE FOR SUCH DEROGATORY INFORMATION. ESPECIALLY WHEN I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE SUCH INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IT INACCURATE AND VERY INCOMPLETE. I HAVE EVERY RIGHT AS A CONSUMER PER THE FCRA TO DISPUTE ANY INFORMATION I FEEL IS HINDERING MY CREDIT OVERALL. THE XXXX XXXX  ACCOUNT WAS REMOVED OFF OF XXXX, YET NOTHING WAS RESOLVED ON XXXX. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY. I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTION IN THIS CASE. I'D GREATLY APPRECIATE 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 explanation
Consumer complaint received 2022-06-10
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi there, So when I was XXXX XXXX XXXX in XX/XX/2021 I went into a dealership to get a car. They told me I had to put {$600.00} down and I would walk out with a car that day. That did happen, although I was given a car that was worth about 1/3 of the loan. First of all, I think it was messed up to do to a XXXX XXXX XXXX. They knew I had no idea what I was doing and took advantage of that fact. Now I am XXXX, stuck in this horrific loan and am backed into a corner. This is because I can not keep up with these payments, so it's effecting my credit. I have tried to refinance with over 15 companies and no one will approve me because my credit is dropping and the negative equity on the car is too high. And on top of it all they sold me a car that needs about {$800.00} worth of repairs. So here I am at XXXX having to consider bankruptcy which I really don't want to have to do and hurt my financial history until I'm almost XXXX. I need help, I was taken advantage of and I need someone to advocate for me and help guide me out of this situation. Please, if there is anything you can do I beg of you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Advantage Credit, 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 status incorrect

Complaint:
My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do XXXX And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom this may concern, I have a collections account in the amount of {$2000.00} on my XXXX credit report. I spoke with the company to try and get the collection resolved and let them know that I had no association with the address that they are trying to tell me I owe money about. I reached out to XXXX to dispute the collection and also told them that I have no knowledge of the collection. The address that is associated with the collection account I have no previous knowledge of. The creditor " rent recovery solutions '' continues to call me 2-3 times a week from the same area code to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was the victim of an email spoof that resulted in a wire of {$70000.00} being sent to an unknown account. I was able to advise the bank within about 10 hours and prior to the wire being funded to the other account to stop. This all happened on XXXX XXXX, 2017. The account that my money was sent to is a bank of america account. Since that time Bank of America will provide no information to me regarding my money. My bank wire fraud department checks in with them weekly and they tell them it is still being investigated. I am begging for your help with this 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 2020-10-07
Company: CORELOGIC 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 status incorrect

Complaint:
My Name is XXXX XXXX, DOB XXXX XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received 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 explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: UT
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are reporting inaccurate information on 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 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: AZ
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:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in 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