BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Consumer has repeatedly asked Wells Fargo to redeem accuracy of information being reported. 
Wells Fargo claims consumer was late in reporting for the month of XXXX as reported on consumer report. Upon further investigation consumer has pulled a current consumer report and found that Wells Fargo is reporting late 30 days for the month of XXXX and has no data for the month of may. Further Wells Fargo has stated in a letter dated XX/XX/2023 that they can confirm that the reporting for XX/XX/2023 was for the month of XX/XX/2023. IF consumer was in fact late for the month of XX/XX/2023 on top of the fact that there is no data reporting for the month of XX/XX/2023 on consumers, consumer report that proves Wells Fargo in fact is inaccurately reporting information. Wells Fargo also stated in said letter that alleged loan was transferred XX/XX/XXXX proving they have no ability to report for said month.

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 2023-05-29
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: Investigation took more than 30 days

Complaint:
XXXX CONSUMER didn't open this loan fraud

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 2023-09-11
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX recently ( in XX/XX/2023 ) closed a XXXX XXXX XXXX XXXXXXXX account based on information contained in my credit report on other non XXXX  accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX. As per the FCRA XXXX must send proof that I gave written consent to report the XXXX XXXX XXXX XXXX account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other non-XXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.

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 2023-05-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX. My social number is XXXX. I am writing to you because this incorrect account is on my credit report. these account : 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$300.00} 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4000.00} 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$400.00} 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with balance of {$18000.00} These are not my accounts. I don't know about. I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. Please remove these incorrect and wrong accounts from 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
First off, thank you for having this service. 

1. XX/XX/2023 - I log into my account at https : XXXX and I see two new charges added to my monthly bill : 1. Property Insurance for {$60.00} 2. Overage/Shortage for {$200.00} 2. I attempted to call the lender and could not reach them today. 

3. I then attempted to send them in a message on their portal but I receive a 'Critical Error ' message when I click the " Send Message '' button ( see screenshot ).

The punchline is I am being charged an extra {$260.00}, and I believe these charges are erroneous, but I CAN NOT reach this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

Company response to consumer: In progress
Consumer complaint received 2023-02-24
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Hey I was calling checking in with the company I even started a new seasonal job to help cover my payments but they where extremely high. I dont even understand where high interest fees come from I feel they do it just so they have your automobile aint noway one day you owe one amount then the next day its an extra XXXX on the payment thats ridiculous. I feel its wrong & its really just too easy for them to get your property I got behind XXXX payment & after that I was grass I woke up to start my job one morning the vehicle was gone I been down every since because I dont get tax money at all that just crazy I feel like some should be done about title max places or they should at least give you money back if they take your car from you its sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX  XXXX Bankruptcy Filed XXXX XXXX  XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2016-01-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX we applied for a shortsale on our home as an alternative to foreclosure. After the bank did there bpo, and appraisal they want a price for the home that was too high and wasnt a true market value. After marketing the property for some time with a realtor we finally got a offer once they reduce the price and had another bpo and appraisal done ( 8 months later ). While marketing the property and maintaining it we received an offer in XXXX XXXX and submitted it thru the equator system. We alos received in the same month a foreclosure letter saying that the property was scheduled to be foreclosed on XXXX XXXX, XXXX. In accordance with Cfpb laws a bank is not suppose to have a scheduled foreclosed date when a homeowner has provided the necessary document 37 days prior to foreclosure when they are trying to work out an alternative to foreclosure. During the same month that we provided a contract we received a foreclosure date. In addition we received an email from the equator system in XXXX XXXX saying that the bank was now denying any shortsale proceddings. Not only were Nationstar actions unlawful in accordance with the cpfb laws but they were misleading and costly to myself, the listing and selling agent, the real estate companies, the attorney, the negotiators and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a formal complaint against XXXX and XXXX for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. XXXX has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX XXXX XXXX XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. 
In addition, NationStar Mortgage has repeatedly denied me help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause. 
Now NationStar Mortgage instructed and allowed the Foreclosure XXXX named XXXX XXXX XXXX XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, I hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar Mortgage refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reached out to TransUnion and inform them that I had recently obtained a copy of my credit report and I notice there were some inquires on my report that I would like more information on. I also informed the company that I am not saying that the information is right or wrong. I was just saying that I wasnt 100 percent sure. The representative on the phone stated that TransUnion dont place inquires on anyone 's credit file therefore its nothing that they could do that I would need to call the companies listed on my credit report. I informed the TransUnion rep that I had already been in contact with the companies and they stated that they didnt have any application on file for me and that I needed to contact the credit bureau where the inquiries are listed to have them to find out why there appearing on my report. The TransUnion rep then informed me that I would need to make an FTC report or a police report and send them a copy and they would do an investigation in to the issue. Below you will find a list of the inquiries listed on my credit report by companies some of which I have never even heard of. 

Data Furnisher : XXXX XXXX  Date Reported : XX/XX/2021, XX/XX/2021, XX/XX/2021 Data Furnisher : XXXX XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 In accordance with Fair Credit Reporting act TransUnion has violated my rights 15 U.S.C 1681i states that I have a right to dispute information that is in my file that I believe is inaccurate or incomplete.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a letter with an explanation that 15 inquiries had been made without my authorization. I attached an FTC REPORT outlining identity theft. They have not done anything about 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