BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UNITEDWHOLESALE I enroll in autopay with them, I did my first payment on XX/XX/2022 for the month of XXXX XXXX. UNITEDWHOLESALE did not collect XXXX and XX/XX/2022. I did contacted them on XX/XX/2022. I was informed that they have some technical issues and they are accountable for the mistake of the autopayment. On XX/XX/2022 they were able to received the ( 2 ) payments and because it was not my mistake they did not give me a late payment charge. Now I have a bad credit and this issues need to be solve because it was UNITEDWHOLESALE technical issue. My credit report show XXXX points on my report. 
I would appreciate to assit me how to get fix.. see below the payment Thank you! 
We have received your loan payment. 

Date Received : XX/XX/2022 Payment Amount : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please Remove Fraud Alert From Credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scamed out of my retirement 0f {$29000.00} thru a wire transfer. I have tried to get it back from my bank XXXX who tried to reclaim the money from Wells Fargo where the money went. XXXX had closed out the claim due to not being able to reclaim the money from Wells Fargo. I have filed a police report, and a report to the FTC. I need this money back. It is my retirement. I have even sent the police eport number to Wells Fargo and the FTC report I filed.

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 2021-01-16
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:
THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX, TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-06-05
Company: EQUIFAX, INC.
State: NC
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:
Hello I am XXXX XXXX XXXX, age XXXX XXXX NC. and am professionally employed in the XXXX XXXX XXXX XXXX industry for over 30 years and a resident of XXXX for 33 years. I am a homeowner with a mortgage for now 23 with stellar credit since at least XXXX per all 3 Bureaus. I check them often and even pay services to all 3! 

I tell you for very important reasons. On or around XX/XX/XXXX Equifax and them alone dropped my credit score over 101 points overnight ... while the other two went up 30 or so because I paid off a few credit card balances.. I was stunned. It took me over a week to figure out where the issue was hidden and I had to call Equifax. They had reported a deliquent Closed revolving account sent to a XXXX XXXX for a XXXX or XXXX XXXX XXXX of {$1000.00}. Well, I have never lived in XXXX, I called this collections agency thinking this was ID theft ... and they did say no one matched my name and SS #. I filed an online dispute and 30 days it was removed. 

i later found 3 Department of Education Loans In Default taken around XXXX!! I was horrified ... I have not been a student to take any loan with a federal program at that time. I graduated from college in XXXX! I complained to Equifax again on their terrific mistakes and disputed ... finally they removed 2 but not the 3rd!!! see below!! 

I called the number listed and this is a SCAM NUMBER ... it tries to sell you products. 

I have placed a lock and freeze on all 3 Bureau for me..But this is only Equifax and they will not speak to me about this. I need help as to why a scam situation is allowed to do this with Equifax and I pay them with their Premier Plan to monitor!! 

My rights do seem to be violated and my online dispute on the 3rd DOE dispute is more than 30 days! ... Can you please assist me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Overview Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification EDUCATIONAL Loan Type EDUCATION_LOAN Original Creditor Name XXXX XXXX Months Reviewed 54 Activity Designator Terms Frequency SINGLE_PAYMENT_LOAN Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit {$1100.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: GOLDEN 1 CREDIT UNION, THE
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 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 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2022-06-22
Company: JPMORGAN CHASE & CO.
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 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 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I had contacted Discover to report multiple fraudulant charges on my account. I had over {$8000.00} in unrecognized charges that were under my credit. The card may have had it's information on the internet through hacking skimming or cloning, I am not a hundred percent sure, but somebody had stolen my credit card information through illicit means. As of XX/XX/2023 I am unable to use my card due to the credit fraud being under investigation. 

In the current circumstances that I am in, and through recent financial hardships due to this incident, it is in my best interest to say that I am not in agreeable terms with how this company is handling my case. Due to the fact that I am only XXXX XXXX XXXX and have no real source of income is further putting me deep into a pool of debt that I can neither afford nor have the resources available to pay these fraudulent charges on my account. Please help resolve and move my case further so I can recoup my losses these past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: FL
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 XXXX account XXXX have violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX 'S XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-08-21
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This is the exact account held by XXXX XXXX that was disputed and removed from my report on XX/XX/2022. This has just been bought and placed on my credit report again, without any validation, verification, notice, communication whatsoever provided to me, but was allowed to be placed on my credit report by Experian, with recent knowledge of its inaccuracy, which is a violation.

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 2022-06-22
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wasn't given enough information to verify that the debt belong to me. The debt collector was extremely rude and aggressive.

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 2022-06-22
Company: EQUIFAX, INC.
State: OH
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:
The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : 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 The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Aldous & Associates, PLLC
State: NY
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:
1st error : Collection name : Aldous A gym litterally took my account to collection. 
I signed up for XXXX XXXX for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under XXXXXXXX XXXX is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ONLINE Information Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got the letter ( XX/XX/XXXX ) from ONLINE information service is a debt collector. It say it is trying to collect a debt that I owe to XXXX XXXX XXXX {$1300.00} with account number XXXX on XX/XX/XXXX. I called ONLINE information service about the letter and she said I reside in XXXX, Texas. I didn't ever live in XXXX, Texas and never been an account of XXXX XXXX XXXX. I live in XXXXXXXX XXXX so far and also I have lived in XXXX XXXX all the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an electricity bill in Ohio that has my name on it, and is in collections. I have not lived in Ohio since I was XXXX XXXX XXXX and I have never owned property or leased property in Ohio as an adult. I contacted the organization a year ago and they have continued to report negatively to the credit bureaus that I am delinquent on {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.

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 2022-08-21
Company: Trident Asset Management, L.L.C.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is on my credit report and I do not owe this company any money nor have I received any type of correspondence or mail about this debt. There is no written contract between myself and this debtor that I owe them this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Navy federal declined my fraud claim of XXXX dollars from XXXX. I told them I did not authorize these transactions and that no error was made in an attempt of a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: FL
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.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 1. 

1. XXXX XXXX XXXX XXXX  # XXXX 2.XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4.XXXX XXXXXXXX # XXXX has violated my rights. 



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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

Company response to consumer: Closed with explanation