BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX. XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$170.00}

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
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to TransunionXXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa 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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; 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.

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 2023-01-11
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:
On XX/XX/XXXX I sent Experian a letter disputing XXXX fraudulent items on my credit report. Records show that they received this letter through certified mail on XX/XX/XXXX. Experian then started an investigation for these items, but as we stand today, XX/XX/XXXX of the year 2023, all of these fraudulent items are STILL on my consumer report. 

They claim to have verified the information and have kept this fraud on my report, causing me considerable harm. Because my credit report shows these items, I have been denied necessary funding for my brother 's education, which I pay for. I was not able to get any student loans for his school year. I have not been able to do much of anything financially because of all of this fraud on my report. This has been seriously detrimental to my life, including causing me health complications. Experian refuses to remove these items and literally claim that I have no authority over my consumer report, which is incorrect per 15 USC 1681b ( a ) ( 2 ).

Per federal law, written by U.S. Congress, the word Verification is defined as : A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called an affidavit of verification. 

I have asked Experian for this and they refuse to provide it. They claim that they have their own verification methods, which is against the FCRA. I need all of the items in my aforementioned letter REMOVED and NEVER put back onto my report. 

I am in contact with the debt collectors who claim I owe them money. Claims that I owe money are between me and the debt collector who is making the claim. Experian should not be separately reporting random information when I am telling them that it is incorrect and they are not legally verifying the information. Experian is fraudulently claiming that I owe money to companies that I do not owe money to, and parading to my prospective business partners the fact that my accounts are in bad standing, which is a lie. I have never had an account in bad standing for as long as I have lived. 

Experian has claimed to me on the phone that they did receive this letter and that they have a copy of it. I need Experian to remove everything that I outlined in the letter immediately, or I will be taking legal action.

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 2018-03-19
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are currently in the process of selling our home and have tried to receive a payoff as of the date that the wire will be received by the mortgage holder. " Mr. Cooper '' owned by Nationstar Mortgage refuses to send us a payoff as of that date. Our home sells on XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. ( This is a conventional loan, not a government loan. ) I called again to request an accurate payoff, through XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. I was told that they would refund the " extra '' interest with my escrow account after 30 days of receiving the payoff. How is this mortgage company allowed to hold over {$1300.00} of my money for 30+ days. If I didn't pay them for 30 days they would be all over me for my payment. The note that I signed does not give them the right to mandate a larger payoff then what is owed to them, nor does it give them the right to hold my escrow monies for 30+ days after receiving the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i recently received a wells fargo ( wf ) credit card ( XXXX XXXX XXXX XXXX ). i tried to enroll for online access but was denied because i don't own a cell phone. apparently, wf sends verification codes only via text message. i spoke with several customer service reps and was told that i should be able to go to any wf branch with a photo id and a banker could help me enroll. i went to the XXXX XXXX, ca branch on XX/XX/XXXX and was told that i had to make an appt. i went back the next day and was told by a banker that there was nothing she could do to get me enrolled. the banker filed a complaint on my behalf ( XXXX ) wf responded by email and cited a mobile banking policy " which indicates you must provide us ( and maintain ) a valid mobile phone number which you are the owner of or have the delegated authority to act on behalf of the mobile subscriber. '' are these people utterly dense? the mobile banking policy doesn't apply to me because I DON'T OWN A MOBILE PHONE. it's hard to provide a mobile number if you don't own a mobile phone. if i did i wouldn't be filing a complaint and we wouldn't be having this narrative. i bank with my laptop and desktop which are not considered mobile devices. 

i will be XXXX next year. my generation did not grow up with all these modern electronic devices that proliferate today 's landscape. many of us, like myself, are not tech savvy and are intimidated by these new-fangled things so we don't use them. hence we can't get online access given.wf 's narrow and stinted policy. this is, in effect, de facto XXXX XXXX and needs to be amended immediately! 

nowadays we have all types of electronic options. i don't have to use XXXX XXXX as my web browser. i don't have to use XXXX  as my isp. i don't have to setup an email account with XXXX. there are options everywhere except with wf. i deal with at least 8 other financial institutions and all of them give me the option of code delivery via landline or email. XXXX provides options ; so does XXXX XXXX XXXX incidentally, is there any credible empirical evidence that cell phones are more secure than other methods of delivery? 

wf needs to wake up and realize that not everyone owns a mobile phone.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX

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 2018-03-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having problems with making my payments after my husband died I was denied a loan modification and am now doing a short sale. I was give 3 diffrent values and my agent has requested a copy of the BPO and appraisal several times so we can see the true value and Mr Cooper will not provide me with a copy. My agent told me that the CFPB requires the lender to give me a copy of all valuation reports used to determine value of my home. Please help me get a copy so I can go over this with my agent and the buyer so I do not lose my home to foreclosure and destroy my credit. 

See the remarks from Mr Cooper : XXXX Negotiator RE : Ponder Request for HUD and Contract Amendment Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property. 
XXXX XXXX Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Smith, Rouchon & Associates, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Smith Rouchon & Associates on XX/XX/22 to verify debt on my credit report. They have not responded but they did respond to the bureaus verifying a debt. I would like to know what debt they are verifying but they will not respond to me. I never received anything that I had a debt with this company. I was told by my lender when disputing that this process will take some time, so I'm prepared to keep fighting for corrections on my report and keeping a XXXX XXXX of all letters that have been sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to these inquires.I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. All is being investigated by the FTC

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