BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-12-31
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My original mortgage company XXXX filed bankruptcy and now shellpoint mortgage has taken over, and today I continue to follow up on having my account reflect the accurate amount I have paid since this transition & even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid anything I have called and called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse to update it & provide me an updated bill because they said they a debt collector and they trying to illegally take my home on false information for XXXX that they claim is past due which isnt. Please help. I have provided proof within my emails to them. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail saying Im in default when they have evidence that my mortgage should reflect current. They now have me on hold for long periods of time which is more than 30 minutes. They have NSF charges on my account but I paid by money order. They keep giving me misleading information verbally but in writing the direct agent sends emails as if hes been trying to reach me or excuses of why he didnt contact me but the entire time my phone is by my side and my daughter is also on my account with authorization to speak with them. Ive been threatened that they are taking my property since XX/XX/2019 but I have provided proof of XXXX, XXXX, & XXXX payments that were paid by money order but there system reflects NSF charges reflecting my payments bounced how do money orders bounce. 

They keep telling me to pay again because they didnt receive everything from XXXX but I provided proof of my payments nor did we receive anything in a timely manner of when to start paying Shellpoint. I paid XXXX & XXXX to XXXX when I was notified I sent XXXX to Shellpoint & XXXX payment isnt reflected on the account either and reflecting NSF when it was paid by money order as well. I provided proof still no update but I keep getting demanding letters and certified mail but they have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my Wells Fargo debit card was unfortunately stolen. Once I discovered that my card was stolen I immediately reported it to Wells Fargo. Consequently whom ever stole my card gained access to my checking and savings accounts. The fraudulent transactions that took place caused my checking and savings accounts to be over drawn. I have called Wells Fargo everyday since XX/XX/XXXX to get his issue resolved. Wells Fargo manager XXXX id XXXX, advised me that the {$400.00} that is still reflecting in my savings account had been refunded and it was my responsibility to transfer the money from my checking which was negative as well? So, they expected me to know that the credits they gave were for both accounts that I had been advised were XXXX separate accounts. How am I having to pay for something that I did not cause to Wells Fargo? This institution is ultimately stealing from me now, and I feel that I by no way should have to fund my savings account {$400.00}? The purchases and transfers that took place were all authorized my Wells Fargo but were not authorized by me. I am not paying Wells Fargo {$400.00} for something I did not cause nor did I authorize any of these transactions. I need for them to correct he problems. I feel that Wells Fargo does n't want to own up to the fact they authorized fraudlant transactions and now they will not own up to it. Wells Fargo by far the worse institution.

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 2020-06-19
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:
I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.

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 2019-12-30
Company: Convergent Resources, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt on XX/XX/2018 for {$270.00} was not me who did it. I don't recognize this at all and I kindly request that this be removed.

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 2019-12-30
Company: Experian Information Solutions Inc.
State: MO
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:
After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXXr XXXX XXXX {$400.00} 5 ) XXXX XXXX  XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX   {$30000.00} Please provide me with physical documentation of these accounts, or remove them.

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 2019-12-30
Company: EQUIFAX, INC.
State: MO
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:
After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX  {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX  XXXX XXXX {$400.00} 5 ) XXXX XXXX XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX {$30000.00} Please provide me with physical documentation of these accounts, or remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been having issues with someone using my information to try and obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AL
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 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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 2022-07-25
Company: Experian Information Solutions Inc.
State: AL
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 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 consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2015-05-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax about removing incorrect addresses that do not belong to me. I have asked for the following address to be removed, where I have never resided:XXXX XXXX , MA XXXX. I have never lived in XXXX, MA. I have lived at my present address, XXXX XXXX XXXX, XXXX, MA XXXX, for the past XXXX years and XXXX, MA, before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX 8. XXXX XXXX Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC 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 2019-12-30
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: CA
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 wrote a letter to Equifax Information Services LLC dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Equifax refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Equifax conducted a thorough investigation because the information is not provided by the XXXX XXXX XXXX and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Equifax dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Equifax Information Services LLC so this erroneous information shall be deleted from my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: U.S. BANCORP
State: CA
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:
I spoke to USBank back in XX/XX/2020 to see about a making a smaller payment due to my hardship with COVID-19. The representative I spoke with took my payment for {$100.00} and advised that she would ensure that any negative credit reporting would be placed on hold. 

I then go to check my credit in XXXX and US Bank reported my platinum credit card as 30 days late. I contacted US Bank platinum card services and was told that I had to write a dispute and mail it in. They have no place to send an email or research the issue over the phone. 

I then take the time to write a letter to dispute the negative 30 day credit reporting and mailed to US Bank. I have yet to hear about any results. 

I was given wrong information the few times I have called in and want the credit reporting fixed immediately. 

Thank you, 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 explanation