BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX 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 Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

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 2022-02-06
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: Information belongs to someone else

Complaint:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2017-08-17
Company: Experian Information Solutions Inc.
State: TN
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:
On XXXX XXXX, 2017, I receive a credit report ( XXXX ) from Experian, after I had requested that Experian, send me proof of my liability of disputed accounts. My request was under section 609 of Fair Credit Reporting Act. The company receive my request on XXXX XXXX, 2017. The company state that the accounts is verified but never send me any proof to support the claims. The law require credit reporting agencies to have a copy of the original contract on file. I have made several request to Experian in good faith that the company will honor my request. All I receive is a frivolous letter stating that their investigation verified that the accounts. Experian do not have this information on file an they is in violation of my rights under the Fair 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
I am a victim of the equivalent credit breach. It is inexcusable this happened. It is inexcusable it took 6 weeks for this to be reported. It is inexcusable that this much data has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.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 explanation
Consumer complaint received 2020-08-19
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Please see emails attached for dates and times. 

I have been denied access to my statements after making numerous requests. But, have been XXXX  for several months so there should not have been any transactions other than small bills like XXXX All of my funds that were fraudulently removed from my account returned and then this account closed. This bank should not continue to operate if this is a common practice to ignore customers and deny access to their own accounts. I almost lost my life and was released from the hospital to finish recovering in isolation but had no money to pay for shelter, food, medicine, etc. Every attempt to contact MoneyLion was flat out ignored. I could have died if an agency hadnt stepped in to cover my expenses while sorting this issue out. And considering my family is a military family and front line workers, they showed very clearly how much my familys sacrifices actually mean ... .nothing at all. I want this bank closed and all of my money returned. Tax return and monthly SSI benefit payments. 

unsure, but this is the date that I was told that my account was closed due to having a negative balance ... which it should not have had. I had been requesting access to my account and made several request prior to this that if my request not been ignored, I could have brought my account back into good standing and my account would still be open for me to figure out what activity has occurred fraudulently while I was XXXX  with XXXX. Yet, MoneyLion ignored my numerous request for assitance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Google Compare Credit Cards Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Google and their Google App Store illegally accessed my new debit card information that I have not personally updated with me. I had an old card number that was closed and I received a new card that I have never gave to google nor authorize them to have. Regardless of this somehow they accessed it without my permission and charged me for services that I was not trying to renew to begin with. 

I was also attempting to remove my card number from google but they won't allow me to do delete it unless I replace it with a new card. 

I attempted to call them but there is not a phone number that will allow me to talk to anybody. They also set up their system in a way where I can't get a refund either. 

This practices are predatory and should be illegal by all means. No service should access my debit card or my bank account information without my permission or deny me the ability to delete my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2021, I made a final payment of {$450.00} to Wells Fargo Home Mortgage ( XXXX ) on my loan. This payment was returned by XXXX indicating they do not accept partial payments and that I had to include the satisfaction of mortgage fees with my payment. 

I am not disputing that I need to pay the satisfaction of mortgage fees, but have been letting XXXX know the following for the past year ; 1 ) No where in my mortgage documents does it say that XXXX will not accept a payment without the satisfaction fees and XXXX has not shown me in writing where this policy is stated. 
2 ) I have also informed XXXX I agree that I must pay the satisfaction fees, however, here in XXXX XXXX, NY a New York court ( XXXX XXXX XXXX XXXX ) has declared certain fees illegal and XXXX XXXX  has appealed this decision. I do not wish to pay what as of now are illegal satisfaction fees. 

The failure of XXXX to apply my final payment to my mortgage is causing me to incur additional interest fees and has had a serious detrimental effect on my credit rating. 

This has been ongoing for over one year.

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 2022-02-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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 explanation
Consumer complaint received 2017-08-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding with you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with a document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report. I did not receive any validation/verification documents which is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, 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:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out 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 2022-10-06
Company: Experian Information Solutions 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:
The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible 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 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 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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out 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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an item on my TransUnion credit report 4 times sent a written request that they investigate/remove an collection account from XXXX XXXX XXXX for {$140.00}. Each time the dispute comes back as " Verified '' as my account but they do not show any proof as to why/how they could " verify '' the account as being mine. I want a REAL INVESTIGATION to be done by TransUnion that will show that this debt can not be mine.WITH PROOF! It is impossible that this account can be verified as mine because I have never done business with this company or the original creditor. Please assist me in getting this item removed from my credit report. P.S this item is a medical collection account and I can show that I have had health insurance for the past 20 years with no lapses or failed payments. Theres no way possible this can be my account.

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 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax data was breached and my information was obtained by someone besides me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
According to the stipulations under the Navient settlement my loans should have been dismissed. They have my email information ans phone because they call and email on a regular. But I try to go in and make sure my mailing address is correct and the personal info they have in order to get into the account is wrong. It keeps telling me I'm putting in the wrong social or birth date, so how do I know if they should even be servicing me. They continue to tell me I have to go online to update info but I can't get past sign in page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-08-17
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.

Company response to consumer: Closed with explanation