BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NC
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:
I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0

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: Navient Solutions, 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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: WY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In a discussion last week with my Landlord & why they were cashing my " Bill Pay checks '' so late. Wells Fargo gets directed to pay all of my chosen creditors on the XXXX of each month as my XXXX gets deposited. Some are electronic and others are by paper check. The paper checks are rarely ( if ever ) delivered before the XXXX, this month ( XXXX was an exception ) showed in the XXXX. I did further checking and just about all of the other paper checks are cashed between the XXXX & end of month. This has convinced me that Wells Fargo cuts the checks & debits my account on the XXXX as requested but places the checks in a mail-room for a week so they can utilize customers funds longer. When they mail the checks, there is no postage meter stamp or postmark given to verify when the checks are sent. If they are doing this to all their Bill Pay customers, they are making an extra week or so profit off of the money not sent as requested! How many people are/were as oblivious to this game as I am?

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 2016-10-29
Company: Pacific Union Financial, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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:
The following accounts are being incorrectly reported to belonging to me XXXX {$220.00} Charge off XXXX {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

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 2020-04-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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 have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Total 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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.

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: 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:
I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}

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 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, severe medical issues and 90 % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is 50 % less square footage This is a XXXX, XXXX XXXX ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.

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 2023-03-27
Company: FMA Alliance, Ltd.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Letter sent XX/XX/2023 saying owed a debt that wasn't mine. Keeps calling me at XXXX and sending lettersto my address XXXX XXXX XXXX XXXX, Mississippi XXXX. The debt is now mine or XXXX XXXXXXXX XXXX. It was paid in full, last year. Please stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: VeriCore, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I still have no idea why, but in XX/XX/2021 I got an email from a print shop I used to use saying I had an outstanding balance of {$1500.00}. This is false, has always been false, and will forever be FALSE. 

XXXX XXXX from " VERICORE '' has emailed me and my partner DAILY, since then, despite my efforts to show the initial company very clear proof that I don't owe them any money, and my continued efforts to inform VERICORE that their client has absolutely gotten something wrong. 

VERICORE has ignored all of the material proof I have provided to them to support this fact, only sending nonsensical " threats '' day after day in order to attempt to collect a debt that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on file.

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: American Acceptance Corp. of South Carolina
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 American Acceptance XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX XXXXXXXX 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 2017-01-12
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I emailed a copy of the XXXX agreement to Ocwen on XXXX XXXX, XXXX. Also after emailing the document, I MAILED ( the same day ) the original signed document and a CHECK for the amount of the XXXX XXXX, XXXX Payment. The check still has n't cleared and also I received another request for the signed document, almost 2 weeks after I mailed it. I have now UPLOADED the document directly the page, but I do n't want to make the payment online because last time I did that, they cashed the check I sent ( said they did n't have ) the VERY NEXT DAY and double hit my account, causing other items to bounce. 

I feel like this is some kind of game they play with modifications so they can deny them. This is my second modification with Ocwen because they said the same XXXX the first time. Even though I made ALL the trial payments, I never mailed the signed contract in. You can go back through my history of complaints and see that we have been through this before. I provided all the documents and they still made up go back through this process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/2021 Capital One Bank XXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-05-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello - My name is XXXX XXXX phone no ( XXXX ) and I received a Important Legal Notice of a claim from Mass of Commonwealth Superior Court of a settlement on my part. XXXX XXXX. Navient Solutions , LLC with a claim form to XXXX  I'm a little bite worried this claim maybe fraud. Please advice

Company response to consumer: Closed with explanation