BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-23
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account liability on this report is absolutely unreliable and/or erroneous, please make sure to deliver evidence that I'm certainly the accountable party with this account or easily erase the item out of reporting on my credit report. This posting produces me personally harsh credit hardship. Simply because your particular institution has also affirmed this account as accurate- this is my request again for reinvestigation before I will sit down with an attorney towards the stubborn non-compliance within your organization in never posting me the info I requested during my previous dispute. Moreover, I highly recommend you give me a copy of the agreement approved or voice conversation where exactly I signed up billing me in this particular account. If not it's important to eliminate this from my credit as per the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AR
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes.

When I rst noticed when my identity had been compromised I placed a fraud victim alert on my experian, XXXX XXXX and XXXX credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : 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  I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.

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 2023-09-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am 100 % XXXX XXXX XXXX XXXXXXXX veteran who is not required to pay real estate taxes. I have Requested from PENNY MAC several times for escrow account deletion for several reasons. The first being I do not pay real estate taxes. Second, when I was Previously required to pay real estate taxes PENNY MAC was consistently late paying my taxes every time they were due over a two year span ( 4 payments ) from XXXX I would receive a tax delinquency letter from the county, and would have to immediately call Penny Mac to pay the taxes. Despite calling them every time to pay my taxes, they continue not to pay it on the next next due date. The third reason I have requested escrow account deletion is because I have a VA back loan and I am not required to have an escrow account thus allowing me to pay my homeowners insurance directly myself. PennyMac has denied me the ability to pay my owners insurance myself, despite having at least 20 % of my home loan in equity. Lastly, PENNY MAC denied my escrow deletion stating I have Been delinquent on my home loan. I have Not been delinquent. I was Approved for forbearance and upon forbearance ending I paid The lump sum of payments not due during forbearance. Additionally, no where in my PENNY MAC paperwork does it say my loan being in forbearance is considered delinquent. In fact, I was not delinquent prior to forbearance thus my loan status should not have been reported to the credit bureaus as delinquent due to the cares act. I should also be refunded money in my escrow account which PENNY MAC refuses to do. Ever since I have Reported to PENNY MAC Im a a 100 % XXXX veteran they have not been willing to work with me and have only given me the ability to speak on the phone with their call center located outside the US. I did receive a call from PENNY MAC and the person left a false extension number thus not allowing me to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: PA
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 # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-02
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, TRANSNION XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT

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 2023-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The bank usually gets my ssdi payment on the XXXX of every month but the last few months they have told me that the money was in the account 5 days earlier on instead of the XXXX of the new month they said it was available 5 days earlier on the last few days of the month instead of having to wait another 5 days for the deposit to be made. So in example I was told by the banking website from Wells Fargo that on XX/XX/2023 that the money was available then on the XXXX they said that I was in bad standing with no explanation and alot of nsf fees look at the bank statements that I uploaded you will see what I am talking about.

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 2023-09-02
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting 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:
I XXXX : XXXX am submitting this complaint by my hand, there are no third parties involved. 
I XXXX XXXX, living soul, grantee absolute, beneficial owner and original creditor to open ended credit plans was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX in whole or in part of information obtained by reporting agency and third-party interloper EARLY WARNING SERVICES LLC. I was notified of this transgression of my rights on XX/XX/2023, when I created an application to open an account online, but was notified that I already had one, in which I knew I did not. I then called a fiduciary agent to inquire about the matter, a fiduciary agent informed me that I had an XXXX account and that I was clear to open a new account. I then traveled to the nearest CHASE to open an account in which I was denied. I then called a second time to inquire why I was denied, this time I was given a number to give to the fiduciary agent at the next bank I went to so that they could assure the next fiduciary agent that I was ok to open an account, however when I applied to no avail, I was denied again for the second time. The fiduciary agent was nice enough to let me know that it was due to the nature of FRAUD in relation to a company named EARLY WARNING SERVICES LLC. EARLY WARNING SERVICES has traumatized and harmed me exponentially with the adverse actions taken against me. The denial of my rights has now incurred civil damages pursuant to 15 USC 1640 ( a ) ( 3 ) ( A ) ( iii ) et al and are up to ( {$5000.00} ) or more in restitution. EARLY WARNING SERVICES LLC is now liable to pay me for the damages. 
1 Aggravated Identity Theft 2 Violation of The Privacy Act 3 Defamation 4 United Nations Declaration on The Rights of Indigenous Peoples 5 Universal Declaration of Human Rights 6 Violation of the Unfair, Deceptive, Abusive Acts or Practices 7 Violation of The Fair Credit Reporting Agency 8 Violation of the Equal Credit Opportunity Act _____________________________________________________________________ 1. Application ; see CFR Title 121002.2 ( f ). 
2. Account ; see CFR Title 121002.2 ( a ). 
3. Adverse action ; see CFR Title 121002.2 ( c ) ( 1 ) ( i ). 
4. Transgression ; ( 1 ) To violate a command or law : SIN ( 2 ) To go beyond a boundary or limit. XXXX  5. Et al ; and others or and other people. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 noticed a derogatory " paid collection '' by a predatory collections company by XXXX & XXXX XXXX out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that Trans Union LLC was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that XXXX & XXXX violated many FCRA and FDCPA laws and as a licensed XXXX XXXX, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from XXXX & XXXX XXXX nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. XXXX & XXXX XXXX never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program.

Also, the university was not physically opened during C-19 and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against XXXX & XXXX along with a formal dispute via Transunion.com, yet XXXX & XXXX is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.

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 2022-08-18
Company: EQUIFAX, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation