BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-03
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the onset of applying for the Public Service Loan Forgiveness, I never received information about my loans and how the Public Service Loan Forgiveness applied to my situation. As I continued to submit my annual certification with the supporting documentation, I never received anything from them. I followed up with calls and they confirmed that they received it and would be applied to my loans. It wasn't until about three years into repayment with the PSLF, I was told that my indirect loans were eligible for the program and that I needed to consolidate the loans to a direct loan. I did that, but with that, I lost about 3 years of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Genesis FS Card Services, Inc.
State: UT
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:
XXXX isn't reporting accurate information on this account. The last active and last reported dates are all inaccurate. The account is closed and has been since 2017. The credit bureau shows a payment history past the date of closure which does not exist. So the only company that could be misreporting this information is XXXX. Where else would the credit bureau get it from? They make mistakes but this is pretty big! I've filed a dispute with the credit bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: NV
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 Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2022-11-27
Company: QC HOLDINGS INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
your company has repeatedly contacted me/ us, claiming that I owe a debt under Lend Nation. I was never told I had the right to rescind according to 15 US Code 1635 I was entitled to this. This is a violation of TILA. 15 US Code 1605 The finance charge is the sum of ALL charges. I do not believe that I owe this alleged debt that you say I owe. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting. Do not report anything negative to any reporting agency, do not sell or give my information away to corporation. Please provide me with the contract with my WET INK signature. Note XXXX vs the XXXX XXXX were there is no contract there is no case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX of 2021, I called in and spoke with a rep from the Wells Fargo Credit Card department. She assisted me with a balance transfer from the Wells Fargo credit card to my XXXX credit card. I wanted to pay off the balance due which was {$500.00}. I gave her the number on my XXXX credit card. She said everything was completed. 
In XXXX of 2021 I received a late fee from XXXX in the amount of {$35.00}. They NEVER received the funds. 
I immediately called Wells Fargo and the next rep from the credit card department said they have no idea where those funds went, but since they literally vanished into thin air, they will be returned back onto my card within XXXX billing cycles. 
I called in several times between XXXX and XXXX and they had no record of anything being looked into. Finally, things were escalated and I receive a letter stating Wells Fargo does not give refunds, so if I want my money back I would have to contact the XXXX directly. 
I reached out to the corporate office in XXXX. They said they would look into it and on XX/XX/XXXX I received yet another email stating I needed to contact the " payee '' ( XXXX ) to get my money back. 
Everyone at Wells Fargo is ignoring the FACT I have proof XXXX never received the payment! Am I to sound like a crazy person calling XXXX and demanding funds back they simply don't have? 
The first rep made a mistake. It's her job to know the requirements for a money transfer. If something didn't look right, if they make mistakes, if it didn't fit some criteria, it is Wells Fargo 's responsibility to make it right. I made several transfers, all through reps, within the first 90 days as the card allowed... This is the only one that went awry. 
They are asking me to pay on BOTH accounts totaling {$1100.00}!! I STILL had to pay express a separate {$500.00} which I did in increments ... AND the {$500.00} to Wells Fargo for the failed transfer. 
Wells Fargo keeps sending me " proof '' on their end that they processed my request BUT I have proof XXXX never received those funds! 
This is a million/billion dollar company who isn't taking responsibility. I am a single mom who is being punished for the Wells Fargo representatives error. I was promised in XXXX of 2021 I would receive the funds back. I simply want Wells Fargo to honor what they told me. 
Thank you for your help!

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-06-24
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted today XX/XX/XXXX by a representative from IQ Data identifying as a dept collector. Collecting for a supposedly past due bill at XXXX XXXX XXXX in XXXX, WA which I lived at and moved out of in XXXX! I find this to be very suspicious because I have never received any bill stating I owed anything to XXXX XXXX or been contacted by anyone until today XX/XX/XXXX by IQ Data. They threatened me multiple times about my credit if I hung up, even after I told them several times I was busy watching my son play lacrosse in a tournament. While they wouldnt provide any documentation of the dept until I was about to hang up. See attached document. 

I have contacted management at XXXX XXXX to validate if this is real on XX/XX/XXXX via email and voicemail but have not heard back as of yet. 

Please let me know if you need any additional details. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently pulled my credit report. Equifax stated that they fixed this issue with my report. I have a score with XXXX and XXXX but not with Equifax. On my Equifax report, there is no accounts or score on my report. Nothing is being reported. I also contacted all of the creditors and they are reporting all of my accounts. My credit profile with XXXX is blank which is incorrect. As a result, this gets me denied when applying for a credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BROKER SOLUTIONS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Working with New American to purchase my first home put me at risk of both losing my desired home and {$17000.00} ( earnest money + gains on the stock I sold for closing costs in good faith this would be done XXXX + inspection ). 

Below is a recap of miscommunication and negligence to date by the company. Contacts I have worked with are XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

XXXX pre-approved me for a loan at 10 % down with a rate match of 5.85 % with manager approval XXXX. My formal mortgage application then kicked off XX/XX/22 and XXXX advised me she had all the documents needed to move forward with underwriting. My appraisal was completed XX/XX/22 and came in slightly above my offer- all good news. 

On XXXX ( Monday the week of closing ) I received an email from XXXX that my loan was at risk of denial but there was a solution where I would put 15 % down with 4.99 % interest rate. This was the first of 3 incorrect quotes for a path forward I would get from XXXX in 48 hours. I received a follow up email XXXX that I had 2 path forwards to avoid my loan being denied : 15 % with a higher rate than initially quoted or 20 % down. I decided I wanted to move forward with 20 % down to avoid paying upfront MI. 

On XXXX I was told the 20 % down path previously quoted as an option would be denied due to impact on my reserves. The only path forward that would be approved was 15 % down. I asked to speak with a manager however they did not call me before leaving on vacation/OOTO XXXX. 

Beginning The afternoon of XXXX I began working exclusively with XXXX because I could not trust any of the loan terms XXXX was quoting me. I raised concerns that XXXX XXXX the escrow agent and the seller agent were saying XXXX was unresponsive to all attempts to contact her for updates to XXXX for loan docs ahead of signing. 

I signed closing disclosure agreements for the path forward to complete my loan with 15 % down the evening of XXXX, keeping us on track to close XXXX sold stock and compiled the updated closing costs needed into my XXXX  account, sending the updated documentation to XXXX first thing in the morning XXXX. I was told it was all hands on deck to get my contract paperwork out by XXXX XXXX. I had to reach out at XXXX after no one heard any updates. 

I was then told XXXX - on my planned closing date - that there is not a path forward for New American to honor my signed closing disclosure terms. It is clear XXXX made numerous mistakes on my loan application - including not including my buyer rebate previously communicated to the title agency and across stakeholders. Not accurately quoting me terms impacted my ability as a buyer to shop my rate and lost my trust in the process. I attempted to resolve my issues directly with the company but after saying they would review my file I have not heard back in over 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.

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 non-monetary relief