BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumerreporting agency can not furnish a account without my 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 2022-09-10
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, a little over a year following my divorce, Wells Fargo foreclosed on my home. Local attorneys representing Wells Fargo attempted to collect a deficiency judgment on the property. Because I could not pay the debt, I filed Chapter XXXX bankruptcy because of the consequences of this debt, and I received a discharge of the bankruptcy from the XXXX Court for the XXXX XXXX XXXX in XXXX XXXX. The XXXX XXXX XXXX Court sustained my attorney 's objection to Wells Fargo 's motion for deficiency judgment in XXXX XXXX. 

Wells Fargo purchased a homeowner 's policy for this property in XXXX or XXXX XXXX. Even after the foreclosure, Wells Fargo maintained the policy and attempted to bill me for it. The final cancellation for the policy did not occur until XXXX XXXX, four months after my attorney sent them a letter reminding them of the foreclosure and informing them that I no longer owned the property. 

I continue to get mail from the Wells Fargo Home Preservation Department demanding that I call and speak to them about my loan and telling me that they are attempting to collect a debt. The home belongs to them, their motion for deficiency judgment was n't accepted by the court, and I owe them nothing.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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. It also states a consumer reporting agency can not furnish a account without my written consent.

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 2022-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumerreporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: AZ
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX XXXX  Account XXXX : XXXX Please Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXXXXXX XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00}, XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act

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 2022-09-10
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2016-10-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry 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 2020-04-20
Company: EQUIFAX, 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:
see attatched Equifax Report of XXXX  account XXXX IS NOT ACCURATE INFORMATION. see attatched ID THEFT case XXXX THIS IS ID THEFT. see attatched XXXX Letter of denial of my fraud claim of UNAUTHORIZED TRANSACTIONS XX/XX/2019. XXXX  is well aware this is ID THEFT but did not approve my claim. See attatched XX/XX/2019 XXXX  Letter of UNAUTHORIZED TRANSACTIONS ALL REPORTED WITHIN 60 DAYS OF DATE OF LETTER. see attatched UNITED STATES POSTAL INSPECTION SERVICE LETTER CRIMINAL INVESTIGATION XX/XX/2019 DELIVERIES NOT MADE BY USPS. I DEMAND WRITTEN DOCUMENTATION 1 ) TRANSACTIONS WERE ORDERED BY ME * MY IP ADDRESS 2 ) DELIVERY WAS ACCEPTED PICKED UP POST OFFICE AND * SIGNATURE GOODS WERE DELIVERED INTO MY HANDS OR INFORMATION DELETED IMMEADTELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my 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 explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.

Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking c

ertifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2015-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter in the mail from the bank I chose for my first home loan stating that my monthly mortgage payment would need to be increased because there would n't be a sufficient amount to cover all expenses in the escrow account. It went up almost {$200.00} a month. This is after 3 months of payments since we bought the home. Our property tax situation has n't changed so I find it concerning that this happened. Should n't all the calculations have been done by closing to give us a correct monthly figure?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Suntrust bank has decided to terminate my account. That is fine with me as I wanted to close the account anyways. However, the bank has indicated to me that they are holding the funds for some amount of time. I want to close the account, they want my account closed, I do n't see why they need to hold my funds. Please send me a check with the remaining funds in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Beginning on XX/XX/XXXX I attempted to file an online dispute with Transunion & got an error message saying " online disputes temporarily unavailable ''. I tried several more times over the subsequent days & then finally called in on XX/XX/XXXX to get assistance from tech support. To date I have received several explanations as to what the cause may be & what can be done to solve the problem, but nothing has changed & frankly the explanations seem made up. For example ; I was told there was a conflict with my online information vs what appeared in my credit report. This doesn't track considering on XX/XX/21 I mailed letters to all 3 bureaus providing all of my information & requesting any erroneous info be removed from my file. Most recently I was told that the issue stemmed from me previously filing a dispute via USPS on XX/XX/XXXX, which is obvious nonsense seeing as the issue started with me not being able to file online nearly a week prior to that date, not to mention I haven't been able to mail anything because I haven't been home. Every time a new excuse is given, I am required to wait days at a time to see if the new fix will work. 2 weeks in & I am still unable to file the dispute online through no fault of my own & mailing in the dispute represents a hardship, as I am an over the XXXX XXXX XXXXr that seldom gets home.

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 2022-09-10
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2015-04-13
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage. It is owned by XXXX. XXXX hired Seterus Inc. to service the loan. Seterus is mismanaging my loan. We tried to adjust the escrow in order to pay off a deficiency in it sooner than Seterus wanted. Seterus took the adjustment, and then declared us ( my wife and I ) in default for {$5000.00}, and threatened to foreclose. We have never missed a payment since the loan was made in 1996. I tried to explain to them what was happening, and I refused to pay the {$5000.00}. I wrote to them that they were mistaken, and we were not in default of our loan. They then demanded payment of {$400.00} and again threatened to foreclose. We remain current on our mortgage and we are not in default. All we tried to do was to prepay a mortgage escrow shortage sooner then Seterus had said. We checked the Internet and found XXXX of complaints about similar conduct by Seterus made by others. This company needs to be reined in. They are out of control. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: VA
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:
60 days ago on XX/XX/XXXX disputed a XXXX account reporting on my Experian report that is not mines I have still yet to get any response from Experian. the FCRA States all credit agency have 30 days to respond to a dispute if not the account must be DELETED. I also sent a 30 day fail to comply letter 30 days ago and didn't get a response to that letter. At this point Experian has breaking all the rules and regulations set by the FCRA failing to respond.I DEMAND THAT THE XXXX ACCOUNT THATS NOT MINE BE REMOVED FROM MY CREDIT REPORT WITH IN 48 HOURS OR ILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST EXPERIAN

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 2022-04-14
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: Report provided to employer without your written authorization

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is d

emonstrat ed per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We bought a house through XXXX in XXXX XXXX. We wrote the contract on XX/XX/XXXX. Our banker claimed he did n't get it until the XX/XX/XXXX. Our original closing date was XX/XX/XXXX Then the last week they can back and said we needed more water tests other than coliform and nitrate that he claimed was a new FHA standard that they needed pH and lead also which we had to rush and a septic inspection on a XXXX septic and leach field system that they said the install inspection was too old so cost us another XXXX for those. So that changed our closing date to the XX/XX/XXXX. So then 3 days before we close get our disclosure and there is an extra XXXX fee for a rush appraisal. When he told us our appraisal fee was XXXX and the credit reports was XXXX and we wrote a check for XXXX the day way signed the application on XX/XX/XXXX. And he said he would order it that day. The Appraisal was done on XX/XX/2016 So do n't understand the rush fee and nothing being said. And a XXXX unexpected fee 3 days before closing. So the Appraisal cost us an outrageous {$780.00}. 
Very unhappy. But what do you do not close?

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