BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
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:
On XX/XX/2017, Experian supplied my credit report to XXXX XXXX XXXX XXXX without my permissible permission for a forged loan.

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 2020-04-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to order my credit reports from XXXX and Equafax and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX XXXX at XXXX barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit 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 explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, aka XXXX XXXX, place of bussesses address date back too XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, .all of this will need too be ckeck from XXXX up too XXXX and XXXX .ownership records .very important too ckeck the tax and tittle too all of this for these years passed by. Also XXXX XXXX XXXX XXXX ga XXXX and ... XXXX and XXXX and XXXX ... .tittle exam will tell u everything. Not the property tax return. A tittle exam XXXX XXXX XXXX XXXX ga, XXXX XXXX ... ... .ok ... here is the problem. I am XXXX  of these addresses. And bussesses. Due date was XXXX XXXX XXXX. Country wide homes loans aka banc of America homes loans, has fail too give me my ownership paper as the benenfiary heir owner too XXXX XXXX and Fannie mae and XXXX XXXX, and, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX., country wide homes loans is the trust, for said business. Ckexk it. It on address XXXX XXXX XXXX XXXX ga, filed in XXXX, and with XXXXXXXX XXXX XXXX XXXXXXXX ga. It on the tittle ... ..I own the addresses and companies. I am not control my company's., I am getting letter from the irs .not pay taxes .on XXXX XXXX and company sense XXXX. And XXXX ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX filed in XXXX .as well ... .a XXXX XXXX and XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX is fail too give me my ownership papers .and as well as the trust company it self .my release date is gone .as u will see ... .I haven't talk too the agent or the trustee close attorney. This is on all of thus stuff with them please research all of thus information well tittle exam ... XXXX XXXX. XXXX XXXX. Names should come out of thus too .I want my business as the benenfiary. I have. Did 22 years of waiting XXXX have did it I made it please give me my property and bussesses and banks account that go with all of this thanks. Also .I am been told I am XXXX and I can't get the trust instrument benenfiary, issue did because I am not a freemasonry. It is not a law I have too join a mason..so all of thus is decrimnation. And abuse .and temp too murder. It a pandemic. I am living in a horrible place .real bad ghetto. I am doing dead time..my release date is past due .do n't abuse me no more. Thanks..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 2021-09-29
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I participated in XXXX XXXX XXXX COVID 19 mortgage forbearance program. Well before it's expiration, I requested that Wells Fargo Home Mortgage pursue on my behalf a FlexModification with my mortgage holder, XXXX XXXX XXXX. Rather than follow my instructions, Wells Fargo proceeded with a payment deferral program, rather than the XXXX I requested. Wells Fargo admitted the error and agreed to proceed with my request for a XXXX. After multiple unrequited calls and emails to my Wells Fargo " home preservation specialist '' I have received no documentation, no emails and no telephone calls in response to my request for an update to my XXXX request.

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 2022-05-05
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) 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 2021-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXXXXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, XXXX, and Equifax ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX  collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Method of verification Highly Requested I am writing to request the method of verification for dispute sent over 30 days agoand the insufficient and incomplete investigation I received recently. 
Please send the following information used to verify the validity of XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$1600.00} Items Highly Requested 1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute.

5.Also the procedures your company have in place to ensure each account is 100 % correct which I doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FCRA, Section 616, and pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I still haven't received a response and the accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020, I sent another letter. it has been 6 months and I still haven't gotten a response and this inaccurate accounts are still on my 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 explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
U.S. Bank received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 in regards to all of my debt with U.S. Bank has been discharged under Chapter XXXX. U.S. Bank is in violation of The Equal Credit Opportunity Act ( ECOA ) for credit discrimination under federal law because U.S. Bank is discriminating against me by not allowing me to open a U.S. Bank Checking account online or in-person.

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 2021-09-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an account open for my business with Wells Fargo. The business was called XXXX  XXXX XXXX XXXX, XXXX. I had access to this account and online access to it to be able to check transactions. 

Somehow another account was opened for XXXX  XXXX XXXX XXXX XXXX XXXX, a checkbook was ordered, and over {$400000.00} was stolen in mostly {$9900.00} increments and some in larger increments. My employee admitted to forging my name on the checks in a deposition, and that I had not allowed her to sign them or to distribute these amounts. 

The signature does not look like mine. I don't know how the account got opened or how the checkbooks were ordered.

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