BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY XXXX FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT XXXX TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX XXXX/DOCKET NUMBER 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 2017-10-13
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In reviewing my credit report when applying for a mortgage, I noticed a debt from XXXX XXXX XXXX. Mailing address : XXXX XXXX, XXXX, Mississippi XXXX. On XX/XX/XXXX, I sent a debt validation letter to Franklin Collection Service requesting verification of the amount of the debt, the name of the creditor to whom the debt is owed, verification of the debt and proof that they are licensed to collect debts in the State of Georgia. The letter was sent via Certified Mail and I received confirmation that the correspondence was retrieved from the post office on XX/XX/XXXX. As of today 's date, I have received no response from this debt collector. This debt is listed as a {$31.00} charge which I would have certainly paid had I received notice and verification of the debt prior to it being reported to XXXX. A copy of the XX/XX/XXXX correspondence and confirmation of delivery is attached. As of today 's date, XX/XX/XXXX, I have yet to receive verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing XXXX sales and lease AKA XXXX rents on all three of my credit reports for reporting false and inaccurate information since XX/XX/XXXX 
I had to finally reach out to the Governers office of consumer protection in GA against XXXX 's because I requested they, XXXX validate the debts for me, sending them a certified return reciept letter dated XX/XX/XXXX -- -To Date -- - they never responded to my request. 
I reached to to the Governers office in XXXX and they tried to reach XXXX XXXX see attached letter XXXX AND even they were ignored ( see attached ) In the intern ALL negative accounts with XXXX 's were delete from both XXXX XXXX XXXX see attached ) and XXXX with the exception of Equifax. 
I then sent Equifax a letter, certified return receipt requested and date stamped XX/XX/XXXX XXXX See attached XXXX asking them to please remove XXXX rents as they are not complying or responding and that XXXX XXXX and XXXX have deleted them from my reports. 
I have allowed sufficient enough time to hear back from Equifax -- - to which I have not, so today XX/XX/XXXX, I called them and once AGAIN explained the situation and asked that they remove XXXX rents negative inaccurate report from my credit report. 
NOW -- Equifax is stating " they can not remove it, only XXXX can '' I have been made aware that the credit reporting agencies are supposed to report ACCURATLY, and I have gone above and beyond to prove that XXXX is not reporting ACCURATLY and Equifax is denying my request and essentially telling me, even with the information they have, all the disputed I have made since XX/XX/XXXX till current, that they are refusing to comply. 
I wish to file a complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  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 2020-03-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2019 I sent a written request to Wells Fargo Bank N.A. for VALIDATION made pursuant to 15 U.S.C. 1692 ( g ) pursuant to the Fair Debt collections Practices Act. The Bank refused to respond with the information requested citing " pending litigation ''. This is disturbing because this bank is notorious for making different statements and allegations in and out of court.

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 2020-03-30
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
According to XXXX XXXX my BB card was closed on XX/XX/2020 but I was using it as late as XX/XX/2020 and made a payment on XX/XX/2020. Their website did not show a closed status. Then on XX/XX/2020 a creditor attempted to pull their payment and it was denied. I was never notified of anything except on their website. No email notices of anything. They stated length of time accounts open some of my accounts have been opened for 5 plus years. I have a fairly decent payment history. They also stated that my score was only XXXX which doesn't make any since.

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 2022-04-13
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:
i am a consumer by law and my information dealing with two accounts that were posted on my report without my consent. it was brought to the company attention multiple times nothing has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX, GA XXXX XXXX I hope you are Safe and Well!! I can not get a response from the Georgia DOL or it's Partner Way2Go concerning a debit card they promised to send Me. On XX/XX/XXXX I was informed by email from Way2Go/Conduent/XXXX  that a debit card was forthcoming. I have yet to receive the card and No way to Contact them. Way2Go are not answering their phones & their website is completely USELESS. What's disconcerting is I know others who have received their cards after filing weeks after me. Help Please I was just informed that my Claim has been Approved and the Funds forwarded to the account or card which I have NEVER Received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been a victim of identity theft. I requested my free report from www.annualcreditreport.com but was denied as they said I had requested one in the last 30 days which I have not. I need a copy in order to determine if any other accounts have been opened in my name illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''

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 monetary relief
Consumer complaint received 2022-04-13
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
LEXISNEXIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE LEXISNEXIS VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCRA   615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from    identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.       A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re    XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2020-04-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a mortgage refinance with XXXX. The application process began on XX/XX/XXXX and was approved for underwriting. I promptly submitted the required documentation and there was no issues. The loan being refinanced is a JUMBO mortgage loan and the investor is Chase Bank. 

Throughout the underwriting process, Chase Bank changed their underwriting requirements multiple times. They went from 90 % Loan to Value ( LTV ) as a  requirement and 1 month of liquid reserve assets ( about XXXX in total amount ). They then went to 88 % LTV as the requirement within a week. 

At the end of XXXX they changed their requirement to 85 % LTV and required XXXX in non-liquid reserves ( like retirement income ) and 6 months ( about XXXX ) in liquid assets. 

At this point, even with the changes, we were able to still proceed. However, 1 week before closing, on XX/XX/2020, Chase changed their underwriting guidelines again and are now requiring 80 % LTV. 

This results in a hardship for us and we don't have the extra money for closing with such a drastic change. It would require us to come up with approximately and extra XXXX for closing. 

I feel that Chase is being malicious in their underwriting guidelines and changing their requirements so drastically right before our closing date. Because it is a JUMBO mortgage they seem to not have any consistency or standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Merchants' Credit Guide Company
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX   XXXX Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX XXXX DateXX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Amount : {$25000.00}

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 explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX my Checking account with Bank of America account # XXXX was closed due to a check that was deposited in the amount of {$4600.00} which they felt at the time would not clear however after further investigation they could not find anything in regards to the check being fraudulent therefore the amount of {$4500.00} was released on XX/XX/XXXX to a special account with Bank of America which there after a letter shouldve been send out to me in regards to unclaimed property giving me the opportunity to claim These funds however when contacting the company Im givin nothing but the runaround and no information as to how to access the money or when I will receive it so I am in hopes that contacting you I will get elsewhere

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 monetary relief