BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable 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. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: MI
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. Community bank and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX discovered a PayPal credit card had been opened using my maiden name ( which I have not used since XXXX ) and used an old address I haven't lived at for at least 20 years fraudulently. I immediately contacted PayPal and they sent me forms to complete. At that time they also updated the account to include my correct address and last name so they could get the forms to me. I returned the forms to them but continued to get collection calls. I called them again and they told me I had to file a police report and send them that info, which I did, several times. My numerous attempts to get this account off my credit reports all come back to them saying it's an accurate account. This is preventing me from getting a good rate on a mortgage. I've been working very hard to improve my credit for the past 7 years and would not have opened this account in the first place. It seems like whomever opened the account made payments on it at some point making it look like a legit account. PayPal /sync bank is unable to find any signed credit application from me further proving this was opened fraudulently! Please 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I called Transunion and XXXX to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this 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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquiries were removed and re added without notification or reasoning. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process .My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax XXXX Despite sending them the letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE this erroneous accounts that still reporting on my account. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$11000.00} Charged off XXXX XXXXOpened XXXX. XXXX, XXXX Balance {$0.00} Late Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
American Express ( https : //www.americanexpress.comXXXX/ ) denied my application to open a Savings account. They refused to provide a reason why and said they would email me. I'm still waiting! I've been a client of Amex since 1992 and have never been late paying my monthly statement. As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with Amex- or any bank. I am not applying for a loan, I'm applying for a savings DEPOSIT account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, We are not sure what to do.. We think we are being scammed by Wells Fargo-we have been paying them for over 9 years and nothing has gone to the principal on our home on an {$85000.00} loan. We still owe over XXXX. We can get no answers from the and we also told they service the loan only. We were told by a rep that he could not disclose to us who owned the loan. We looked up on XXXX to find out who owned the loan and they told us Wells Fargo took it in 2007, which is what we understood when we refinanced our home to do improvements. We have had nothing but trouble with them-impossible to get answers and communicate. We have asked about getting the interest rate lowered by refinancing when the rates were so low but got the run-around. We have spent so much time on hold and being transferred, ect, ect, we are worn out and hve given up many times due to frustration and keep on paying. We have never been late except XXXX time when WF took out XXXX mortgage payments-we had to fight them and they said the only thing they could do was return both payments and then take out the one we owed. When they did this, they reported our payment as late when it was not. We have never been able to get them to correct this. We are worried they are not applying our loan payments correctly.

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 2016-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has called me ftom more than XXXX different phone numbers to collect an old debt. The debt originated XX/XX/XXXX and dropped off credit bureau reporting XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
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 and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

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 2022-04-18
Company: EQUIFAX, INC.
State: TX
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 and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan has been mismanaged from the beginning. The loan was acquired XX/XX/XXXX as a XXXX XXXX Pick a Pay mortgage through Wachovia Bank. At the signing of the mortgage they said our mortgage was wrong and need to be fixed ... they never fixed it ... we called and they were n't available, would n't return phone called, etc. XX/XX/XXXX-XX/XX/XXXX our mortgage company even though they held the escrow said they did not collect and came to us XX/XX/XXXX demanding a XXXX +escrow payment..our loan then spiraled out of control and we have been try to fix from the beginning. We were part of the Wachovia pick a payment class action lawsuit XX/XX/XXXX Class XXXX and they where suppose to dissolve our loan but that has set to happen even those they were ordered by a US district court judge to do so.There are tons of others in this same situation. We have been trying to refinance our loan since XX/XX/XXXX to no success due to no one wanting to touch our loan because of how messed up it is. We have never missed a payment, but every year our mortgage is always short and the bank cant explain why or where the money goes. We have tried and tried to work with them but they are unwilling to do so. We do n't want to loose our home due to the bank being at fault. Our loan is in its current state because of their negligence and we are asking for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NV
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/2022 I have submitted my FTC report along with my statement, identification, and the fraudulent account that was being reported to my account from Experian. On XX/XX/2022 I spoke to XXXX XXXX in the Fraud Special Team Department and stated to him pursuant to 15 U. S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. When I explained that to him he was yelling at me over talking me and would not let me get a word in. He also kept putting the phone on hold every time I spoke and eventually hung the phone up in my face. He stated that they will not block the Fraudulent Account, which makes him and Experian in direct violation of 15 U.S. Code 1681c-2. I am really upset and that is very inappropriate to treat a consumer. I have attached documents from my previous CFPB complaint along with this one, as well as my ID, My Statement, and my Identity Theft Report once again. XXXX  XXXX XXXX has removed this fraudulent account. This is a violation and I am seeking monetary relief for the stress, disrespect, and violations. The following Fraudulent Account : XXXX XXXX XXXX  ( Account Number : XXXX ) needs to be removed from my report 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 2016-11-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my 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 explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-04-18
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:
This notice is to inform Equifax and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because Equifax added a late payment with the XXXX XXXX account which has been disputed several times. Further, Equifax and XXXX never put disputed comments on the accounts required by law, violation. I have sent Equifax and XXXX countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of Equifax. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report

Company response to consumer: Closed with explanation