BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hello, the XXXXXXXX XXXX account that appears on my transunion XXXX and XXXX credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance 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 non-monetary relief
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,   XXXX  . I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   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 2016-01-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage to Wachovia Bank. Almost every money I earned went toward this mortgage. The bank collected my mortgage for years. was told, XXXX XXXX handled the books for the bank. XXXX XXXX would send me notices also about my account. I was also sending them money also. No one let me know that XXXX XXXX was no longer part of Wachovia Bank. I was paying XXXX mortgages and did n't know it. The bank should have let me know if they had made changes with XXXX XXXX. Between Wachovia Bank and XXXX XXXX I paid XXXX notes for years and still lose my home. Wachovia Bank should have let me know if XXXX XXXX was no longer part of the bank. XXXX XXXX notices still had Wachovia Bank name on their letter heads.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXXXXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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: Public record information inaccurate

Complaint:
After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.

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 2020-08-10
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 received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Conn's, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX  loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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 a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX internet offer 's Third Party Router service for home recently Sold. New owner 's transferred service into their names. XXXX notified that router would transfer to new Owner 's service. I have called into to XXXX ( no clue if this is a legitimate company, as they wont identify. ) Robot answers phone, can't understand anything said. Asked for Customer service, it transfers you to a line for a brief waiting period where it then states " There is no one available to take your call. '' Website is provided but the recording is 100 % indistinct and can not be understood. Phone number for initial follow-up was texted in a photograph to me ... XXXX. Not once have I been forwarded written notification of this issue. When cancelling my last service at XXXX they were given my new address. It is {$59.00} I suposedly owe, and If in fact I do I will gladly pay, but I will not be taken advantage of by a company whose act of reaching out is predatory in nature. I work for a XXXXXXXX XXXX  and will pursue this to it's full extent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We started the mortgage process w/BBVA in XXXX with a XXXX closing date. Through the process I was extremely proactive returning requested action items often within minutes and closely followed the status throughout the process. Concern of the processor 's attention to detail and responsiveness was voiced early on by myself however I was falsely reassured. The week before closing I was assured everything was on target however the week of closing I found out our process was to be delayed and BBVA petitioned for an extension which was graciously accepted by the seller. Unfortunately it was later found that there was no acceptable reason for the initial dealt other than someone " dropped the ball '' per BBVA & I was assured we would close by yet another requested extension. The processor 's supervisor became aware of the situation and promised to escalate the process assuring an expedited flow. Unfortunately a XXXX petition for an extension was requested without any apparent reason. Multiple calls to BBVA customer support yielded promised return of call with 24-48 hrs by managers of customer support to accommodate reparations. Two weeks later and still waiting there has been no return of customer support management and we are still waiting to close escrow brining the total time to nearly 70 days! Promise to expedite the process was met with actual delays again for no apparent reason and not because of delays on my part. As a result of multiple requests for extensions by BBVA w/o valid reasons the purchase of our dream home is now in Jeopardy and there has been no response as promised by customer support not even a phone call to acknowledge the inconvenience or promise of reprimand of the person who initially caused the delay. Accountability for a timely closure of this mortgage process has been sub par and there has yet to be any offer of reparations or to remedy the situation w/o further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This complaint involves PayPal. I received {$200.00} in my account over a week-and-a-half ago and they will not let me retrieve it through bank account or transfer. I have called dozens of times and messaged them through customer support only to get a merry-go-round of agents who tell me different things, including that I should take out one of their credit cards. And, this is during a national crisis when I need the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.

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 2020-01-07
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: SC
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:
Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX  have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX  : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: NC
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$64000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 my mortgage company Wells Fargo Home Mortgage made an unauthorized payment to my account of {$2000.00}. without my consent. I called the mortgage company immediately after learning about this problem. I was told on XXXX, 2015, an outbound call was placed to my residence and a male answered the phone. The representative asked the mal if they were authorize to make payments on my loan. The male said, " yes ''. I am the only person on my loan, sole owner of this property without any third party contacts or co-borrowers. As a result, my bank account was overdrawn by {$1000.00}. I was informed by XXXX from Wells Fargo Mortgage that a previous representative made an outbound call to the home and used my previous banking information that was on file to submit the transaction. The male that they are referring to is my son, whom does not know my banking information or any of my personal information. The representative failed to use proper protocol procedures and failed to abide by XXXX Law. I was told that this is a negative on my behalf and can be sought out to be writing bad checks. I requested a reversal of this transaction, I was told it will take 3-4 business days but there will be several ( 4 ) insufficient fund fees totaling {$140.00} that would be charged to my account not along the outstanding fees from the other companies. I am requesting that my money be refunded back to my account, all overdraft fees be waived, and that they pay for the company insufficient fund fees along with a letter of resolution and my credit report clear from this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: WA
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'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe dam

age to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You a

nd your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Re
sponsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Pr

ohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something

Company response to consumer: Closed with explanation