BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
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:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which  is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 number XXXX and XXXX account number XXXX has violated my rights. 

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

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.

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 2015-09-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, 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 2016-10-21
Company: EQUIFAX, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The credit line on my Discover card was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a XXXX balance. My credit bureau report as of now shows XXXX balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Discover should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Discover reinstate my proper credit line of {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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:
n accordance with the Fair Credit Reporting The Following Inquiries EXPERIAN XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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

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 2022-05-27
Company: Experian Information Solutions Inc.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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.

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 2015-12-04
Company: Focus Holding Company
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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 Account XXXX XXXX XXXXXXXX ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account ( XXXX  XXXX ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report 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 2020-04-17
Company: Waypoint Resource Group, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my 2nd complaint regarding this company. i have put in disputes with all of the credit buereus and with the company requesting validation, i received no responses from the company at all after my first validate request through the US mail. after 45 days of them receiving this letter certified i sent a non response letter, and told them in the letter they received that under the law they have 15 days, 15 days came and went and no response and this negative mark is still on my reports and the CRA 's refuse to remove this from my reports. last night on XXXX i go to their website and put in the account number and my last name to check to see if they still have the account is open and i receive a message that your account is no longer active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I would like to complain about EQUIFAX because they sent me a letter on XXXX XXXX denying me an investigation regarding accounts that have been delinquent and inactive since 2008. I have suffered over 8 years at the inaccurate reporting of these accounts and they keep leaning on their false information and using it again me and refusing to conduct an investigation. They are reported incorrectly and these accounts have not been paid or negotiated with since 2008. A ) XXXX XXXX B ) XXXX XXXX XXXX # XXXX C ) XXXX XXXX Bank # XXXX are all inaccurately reporting. I demand all paper work they used to verify and deny me my removals. The dates of delinquency are inaccurate and further unverifiable and outdated, these accounts are incorrect. These are not lawfully or honestly reported and this is a sever violation of FCRA law and CFPB guidelines. Please help me pursue an appropriate investigation against their lack of investigation and legally removing these terms. I would like to know my options in case i am in need of an attorney. They are pushing me away and asking me for a statement, which i absolutely refuse because that would make their illegal and incorrect reporting allowable and that is not fair nor is it legal. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting The Following Inquiries XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
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

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 2022-05-27
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I seek to buy a house. I called XXXX at XXXX ( XXXX ) to wire the necessary funds to my closing attorney. Time is of the essence!! 

XXXX said I could NOT wire the funds to the closing attorney, but I could wire them to my personal checking account ( different bank ). I did at XXXX ( XXXX ). 

At XXXX ( XXXX ), the funds have not left my XXXX account or arrived at my [ Other Bank ] account. 

3+ hours and counting. There is a home closing hanging in the balance. XXXX does not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX an associate of XXXX XXXX XXXX has commenced a series of fraudulent documents to seize my home at XXXX XXXX XXXX XXXX CA XXXX. The last known transaction was created by XXXX. 

The IRS has provided me records confirming that the servicer Wells Fargo Bank N.A . took ledger credits on XXXX which is the day the US Bankruptcy Court discharged the home equity line of credit as unsecured debt - listed on schedule XXXX XXXX also rescinded the World Savings Transaction in XXXX in fear of unrelated party commencing actions such as XXXX XXXX and associates. I also confirmed with Securities Exchange Commission that the XXXX related to XXXX was satisfied with varied sources such as insurance policies. Most recently, Wells Fargo decided to create a new loan number to establish its right along with other debt collector XXXX XXXX to steal my home. 

I would like CFPB to witness the activities of XXXX XXXX first hand as he uses fraudulent documents to take in monies not deserved. So far XXXX XXXX along with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and has stolen XXXX other properties of mine using fraudulent documents - XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX CA XXXX. I have attached recent findings of proof of fraudulent documents used by Wells Fargo Bank N.A . and XXXX XXXX XXXX and XXXX used in obtain a writ of eviction and justify getting a Judge - XXXX in XXXX to deny me due process of amending a complaint on XXXX/XXXX/XXXX. These debt collectors are supported by a XXXX XXXX XXXX who sits on the bench while assisting the debt collectors. If you look at my docket XXXX in XXXX XXXX CA XXXX you will see orders issued to the debt collectors which assist the debt collectors seize my homes - The orders are issued nearly 2 years after I obtained my discharge of XXXX and XXXX calls order -- '' a Lift of Stay '' - no such action approved by Congress XXXX XXXX has kept my case open since XXXX in order to obtain some type of clearance from the state related to the XXXX XXXX. 
' Note the date of XXXX 's Debt Validation Letter and his Notice of Default - The Notice o Default is filed premature of allowing me time to dispute his debt - a debt and new account number created by Wells Fargo in attempt to relate to the World Savings Loan which was satisfied according to IRS records and the XXXX records.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped 22 points. I want it removed and I want XXXX XXXX flagged as a scam.

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 2022-05-27
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I received a prepaid XXXX card from XXXX  that I did not apply for or request. The card is attached to a XXXX checking account ( the account number and routing number are on the letter that came with the card ). I have tried contacting XXXX, the only phone number available ( XXXX ) requires you to enter either your social security number or the card number before talking to a person. As I do not want to activate this card, I did neither. I was eventually able to bypass this step by entering multiple zeroes followed by #. The first person I talked to on XX/XX/XXXX gave me the number XXXX, which is unallocated. The second person I talked to ( on XX/XX/XXXX ) said they were transferring me to another department, but after 15 minutes on hold I was disconnected. I tried contacting XXXX, but they told me to contact XXXX. 

I just want these accounts closed and a fraud report created with both institutions. I had a similar situation happen in XX/XX/2022 with XXXX XXXX ( an online checking account was created using my identity ) and XXXX was much more helpful and easy to contact. I could find their Fraud number by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I financed a XXXX XXXX from XXXX XXXX in XXXX, CT between XXXX and XXXX. The car was eventually repossed but I 've still been unable to get my plates and I 'm being charged state taxes on a car I no longer have. The XXXX company I leased from has since gone out of business I 've tried contacting Wells Fargo and they claim to have no knowledge of it.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have been denied credit based on data from TransUnion. XXXX XXXX XX/XX/22 denial.I have contacted them about inaccurate data in my credit report and tried to correct the issue, This goes back to XXXX since more than 30 days have passed, I need to take further action on them not correcting the problems.

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