BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX  account : XXXX 2. XXXX XXXX XXXX account : 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 non-monetary relief
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IIn XXXX of XXXX someone had used my persona information fraudulently to obtain an Auto Load Through Wells Fargo Auto. The address used was not my address, The signature is not my signature. And, at the time of the fraud I was not residing in the United States, I was residing in XXXX XXXX, more than XXXX time zones away on the other sides of the world. I currently live in XXXX and have resided in XXXX since XXXX. I rarely come back to the US. However, this account appears on my Credit History and as I have explained to Wells Fargo several times, the account is NOT mine, I didn't apply for or Open this account, I reside on the other side of the world, and I am unable to obtain a Police Report from a US Law Enforcement agency because I the account was applied for then charged off several years ago and no law enforcement agency will accept a Police Report. Complicating the problem, I do not have a perinate US address, Wells Fargo will not send documents via email or overseas, and they will not accept a Police Report from a XXXX XXXXXXXX XXXX XXXX. I never applied for, opened, or benefited from the fraudulent Auto Loan Account, the account is nearly 7 years old and charged off almost 6 years ago and needs to be removed from my credit report immediately. The account is NOT mine, I never applied for it and I have done everything possible to resolve this matter. I am unable to obtain a police report since I do not reside in the US, and no one will take the information for a police report due to the age of the account and the fact I do not reside in the US> I just want this account removed NOW!!

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 2022-11-19
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: Account status incorrect

Complaint:
EQUIFAX is currently reporting that I have : 1. A revolving utilization of 125 %. The is wrong because I currently have no revolving accounts. 
2. 30 Accounts with balances, when I only have 25. 
3. Total ending balance on revolving and open-ended accounts of {$11000.00}, when I have no valid accounts. 

This information is wrong and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I 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 These are all inquiries that were listed 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 explanation
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY

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 2016-10-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank has refused to modify my mortgage even after I made all the modification agreement payments. 
1. In XX/XX/XXXX I entered into a modification agreement with Wells Fargo bank to modify my mortgage. 
2. The modification agreement stated that after I made XXXX XXXX XXXX XXXX payments, Wells Fargo would modify my mortgage. 
3. I made the XXXX mortgage payments to Wells Fargo Bank. 
4. But Wells Fargo has not modify my mortgage. 
Wells Fargo Bank has refused to provide me with modification assistance since XX/XX/XXXX. 
5. I have been applying to Wells Fargo bank for mortgage modification assistance since XX/XX/XXXX. 
6. Even though I was qualify for a Mortgage modification in XXXX, Wells Fargo refused to provide me with Mortgage assistance. 
7. On multiple occasions in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Wells Fargo bank has refused to evaluate my Mortgage Application in violation of RESPA laws. 
8. Wells Fargo violations of RESPA consumer laws has continue to harm me and my family even after I made all the payments under the modification agreement. 
9. These action by Wells Fargo has adversely affect my credit standing. 
10. These mortgage lending violations by Wells Fargo Bank has severely harmed me in my ability to obtain new credit, and obtaining credit at excessively high interest rate.

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 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: LA
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 as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY

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 2021-09-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unpaid XXXX XXXX collection of {$270.00} from 2020 and I never received notice of the debt prior to applying it to my credit which is a violation of the FCRA. 
The account should not have gone to collections as I provided notice to vacate the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Experian about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021

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 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not 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 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, XXXX5 U.S.C 1681 section 602 A. States I have the rights 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 explanation
Consumer complaint received 2021-09-27
Company: ALLY FINANCIAL INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I called Ally and spoke with a XXXX for 10 minutes that could not do anything. See picture from Ally web site for a contact I made under XXXX. WHY is this email suspended?

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 2016-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
My credit score has dropped XXXX points and the only action taken is that the monthly monitoring fee of {$19.00} was discontinued. The XXXX credit based companies are paid as agreed and in fact are being paid ahead of scheduled periods. The complete breakdown of the unfair credit reporting and scores being shown on website ( XXXX ) based on facts and details has the credit reporting companies dropping scores. Transunion has not in the last three months has not explained factually how the score is established and answers are total vague and based on unknown factors. Why should citizens have to pay for credit scores? The stoppage of monthly fee should have not changed score but it is factually only action at time of score drop.

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 2022-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the withdrawal process at a drive through ATM on XX/XX/22 at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I forgot to get the dispensed money from the ATM. I returned a couple of minutes and reported to banker at XXXX location for assistance. I was advised to call a toll free number and report the incident immediately which I did. I received notification later the next week that a credit would be allocated to me while this was investigated. 
On XX/XX/22, I received notification that this credit had been awarded in error and would be reversed on XX/XX/22. I contacted the claims department immediately to discuss this incident and ask for assistance confirming that I hadn't infact received the money I intended to withdraw. The department reps stated that unfortunately they couldn't assist me as these investigations had been concluded and this reversed credit would be in effect as of XX/XX/22. 

I didn't receive this withdrawal and have requested the bank to review their XXXX XXXX to investigate this matter and return my money ( {$200.00} ) and haven't received any response back. 
Any assistance in this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: CT
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:
Reported a late payment on XX/XX/2021

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 2022-11-19
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX is reporting late payments to my credit. Ive tried having them remove the last payments they will not. I was not late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- XX/XX/22 Requested ACH withdrawals of XXXX {$490.00} and XXXX {$2000.00} ; both of which are still pending 8 days later. 
- XX/XX/22 Requested transfer of XXXX out of BlockFi to XXXX and my request was rejected on XX/XX/22 citing inadequate proof of identification ( which I have done on BlockFi many times in the past ). 
- XX/XX/22 BlockFi restricted withdrawal requests on their app and website, therefore my XXXX is officially in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has had me paying a loan that was discharged XX/XX/2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired to the payoff amount and asked my loan payoff be reported to the credit bureaus. XXXX and XXXX both sent paperwork showing the loan was discharged in XXXX 2010.

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 2015-07-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I purchased a new vehicle and attempted to trade in my car previously purchased from the dealer. At which time the car dealer where I purchased said I was up side down on the car. So I placed a down payment on the new purchase ; that Monday XXXX I placed a call to Ally Car Financial and informed them of my purchase and explained the situation to the Customer service person. At which time I asked them to take possession of the car. The customer service rep place me on hold and stated she would contact collections and explain then transfer me ; she returned from on hold and stated she could not transfer me because collections were refusing to speak with me. I informed them of where the car was located to retrieve and that I would not be making anymore payments. Since they have not picked up the car my credit is being affected by the delinquent payments. I know the repossession will affect my credit which is my decision but the delinquent payments are due to their refusal to pick the vehicle up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation