BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in 2008 I applied for and received a loan modification from Wellsfargo bank. It was in XX/XX/XXXX that my new payment would begin. I phoned Wellsfargo to ask if they could put the first two payments off due to the fact that I was preparing to take my son on college tours. the representative said that they could not guarantee two months but she saw in my account that a payment had been posted to my account and to call back the following month to see if I could get the second month that I was requesting. In the middle of the month I started to receive ca calls telling me that I was late with my mortgage. I explained that I was not late but that I was told I did not have to pay due fact that funds had been applied to my account. the repress informed me that the money had been applied to my account inadvertently but was taken out later that day. No one informed me me of this. The investigation team did an investigation and found that money had been applied and take out but they failed to notify me. Then they asked me to resubmit another modification application, I did and that is when the put my hom in quicksale ( which was also a mistake ) I am still in my home but they have harassed me for 8 years because I refused to pay XXXX mortgages when it was their fault. they acknowledged tha that it was their error but stated that I still was responsible. 
these people have harassed me all day every day for the past XXXX years. it has been recent that I was able to make a payment on that past due payment.

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 2016-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

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 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/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 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Ive asked to have the comments " less than full balance '' to be removed from my credit report. The settlement was for the " FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XX/XX/XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this :

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 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
My phone was lost on XX/XX/23 on a XXXX ride to my home. I had not report the phone lost in the hopes of the phone being returned to me. Instead what happened was the person who found my phone possibly this XXXX XXXX somehow got into my phone and started sending money from my bank of america app on my phone to herself. She added herself to my XXXX contacts and sent XXXX dollars to herself and then sent XXXX dollars to herself. I saw this happening in real time from my house and I immediately changed my passwords to everything and locked my card to prevent this person from stealing anymore money from my account. Bank of America has denied my claim because they said the device use to send the money is consistent with transactions seen in the past. However, I have never sent any money of that high of an amount to anybody ever in my entire time with Bank of America. Also the fact that the contact was added so quickly and money sent right away to this person should be seen as suspicious as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I obtained a copy of Credit Report from Experian and noted several instances of incorrect information. I sent Experian a letter, Certified Mail, detailing these mistakes and requested an investigation. On XXXX XXXX, 2016 I received a letter from Experian saying that their security personnel had determined that the letter was not sent by me and that there would be no investigation. Additionally the letter stated that Experian would continue to apply this police to other request for an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Rushcard took my money didnt allow me access to the internet or funds. I called ay least XXXX times anf could not get thru. When i did i was lied to repeatedly saying it was gon na be fixed soon. The stress has been undeniable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On or about XXXX XXXX, XXXX I disputed XXXX Account # XXXX in the amount of {$2400.00} with Transuinion and on or about XXXX XXXX XXXX Transunion notified me that they had removed the information from my credit report. In XXXX XXXX I checked to verify that said negative information was removed and confirmed it was indeed removed. 

On XXXX XXXX, XXXX I discovered a XXXX Account # XXXX with the same amount of {$2400.00} and same dates had been re-inserted into my credit file in XXXX XXXX. The credit reporting agencies, TransUnion included, are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please have them delete this item immediately. 

This appears to be nothing more than an attempt by XXXX to simply change the account number to circumvent the reinsertion clause that requires verification of the debt as again, no history or other information has been provided to validate the debt and TransUnion did not verify that before allowing reinsertion and has not provided that to me as required. 
I have also opened a dispute with TransUnion as well. TransUnion # XXXX Respectfully, 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 explanation
Consumer complaint received 2015-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested TransUnion submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Transunion has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to TransUnion and TransUnion states it was verified by XXXX XXXX. TransUnion is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans held by Navient are currently under In-School Deferment. Navient is now saying that I will need to pay the interest on the loans while in school but my loan origination shows that I selected no in school interest payments. Navient is stating that their documents show that I selected in school interest payments when my documents show otherwise. This feels like pencil whipping on navients behalf. I have my original loan documents but Navient refuses to send me the new ones. I am not attaching those documents here but am sending them to my lawyer if we do find that Navient committed fraud in changing the language of a loan document without a clients notification or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.

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 2021-10-01
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have disputed this inaccurate debt several times which clearly isnt mine. I have attached the original contract from the creditor in which is not legally signed by me. I have never authorized an account on my behalf via Vance and Huffman nor XXXX XXXX XXXX. This is not a Joint account its clearly signed and Dated by the Authorized person XXXX XXXX. Please remove this or please let me why this is attached to my report Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX and EXPERIAN has failed to produce any documentation that shows that alleged XXXX - XXXX XXXX XXXX has named alleged XXXX XXXX, as assignees, nor have even shown that the original accounts has any knowledge of this actions, or that the original alleged XXXX- XXXX XXXX XXXX has even given all rights and control.EXPERIAN continue state that they have verified the information when I sent them a letter disputing the information 2 months ago. 
If XXXX - XXXX XXXX XXXX did assign the debt to a third party-XXXX, XXXX - XXXX XXXX XXXX would then lose his rights to collect later. This means that probably took a tax credit, an insurance write-off, or some such action that automatically makes XXXX XXXX unable to collect the debt after that point. Collection agency XXXX XXXX does not have the original agreement with my signature. I never attended any college. According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. Electronic dispute notices ( XXXX ) received by was handled by its " XXXX ''. 
I Noticed they never had a single person actually investigate any of the XXXX and it never contacted me by mail on their way of investigating. No proof.They stated their position was that it had no responsibility to do anything because its computer " investigated '' the dispute when it reviewed the information in system and compared it with the information supplied by the XXXX XXXX and EXPERIAN. 
EXPERIAN said that they have verified all accounts. I need to have them send me a copy of what they used to verify the accounts attached. The ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) If they do n't have it please remove it. I have no knowledge or signed account level agreement with alleged collections agency- XXXX XXXX or original alleged 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a credit line tied to a checking account at XXXX XXXX XXXX XXXX XXXX to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and TransUnion reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and TransUnion without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by XXXX XXXX is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. TransUnion has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.

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 2016-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) on the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2015-08-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian has still not provided me with the credit report I requested XXXX weeks ago. They can not be reached by phone or internet. And they seem to ignore mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief