BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-02-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, It appears the property taxes on my property have not been paid. I just received a NOTICE OF TAX ADVERTISEMENT from XXXX County on XX/XX/2020, stating that I have unpaid property tax dues of {$3300.00} ( including interest ). I have been paying my property tax escrows as part of monthly mortgage payment without missing a single payment. As per the closing disclosure, my monthly mortgage payment includes the following : Principal & Interest - {$1400.00} Mortgage Insurance - {$130.00} Escrow ( Property Taxes, Homeowners Insurance ) - {$320.00} Could you please ensure that Wells Fargo pays my taxes in full with interest to the county at the earliest? 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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Transunion 15 times and told them I have someone applying for credit in my name. The other bureaus have started their investigation of fraud inquiries. Every time I call, i get to the fraud department only for them to read a script that it is a statement of fact and they will not investigate this. They are violating the law and I need to it that either they are going to correct these inquiries on my credit or I will continue to pursue them, in court if I have to. Please have them comply with the FCRA.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
Equifax, XXXX XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report.

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, XXXX and TransUnion, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 do not have a contract with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I requested the original applications or contract with said companies No response or validation of debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on XX/XX/XXXX. Due to other fraudulent activity i was told to file a separate claim for the XXXX transactions which i did on XX/XX/XXXX and was given the provisional credit. On XX/XX/XXXX i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX  transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well. 

I previously opened a CFPB complaint ( XXXX ) that was closed because Wells Fargo said the information was sent to the wrong department. This seemed to be a way of avoiding the dispute. 

I mailed them another dispute including a copy of the police report ( XXXX ), which was certified and delivered a week ago, and they still have not acknowledged receipt or reopened my case and overturned the decision.

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 monetary relief
Consumer complaint received 2017-08-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/2017 I submitted a dispute to all XXXX CRAs. I have received the results from TransUnion and XXXX, but not XXXX. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against XXXX in Court. Each report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date. Dispite providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt. XXXX has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was overviewing my consumer report, and noticed that transunion is reporting information on my report without, any consent from me as a consumer i have a right to privacy, and sharing information without my written consent. This is a violation of my federal rights .federal rights are currently being violated Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave transunion permission. I did reach out this company certified mail asking for removal. I demand that this information be removed immediately for fed loan on my 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 2020-02-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax wouldnt allow me to get my free credit report yet they report this information to XXXX XXXX The information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXXXXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.

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 2020-02-16
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, Equifax and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX   XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Key 2 Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
New and updated information regarding Key2Recovery : For the agent responding, to assume that I, the consumer, would know the passwords allegedly provided would STILL work instead of the agent just providing the password or admit that the company is not well trained to perform day to day operations.

Key2Recovery employees spend more time using abusive and obscene words towards consumers instead of just fixing the problem at hand.

I've had a chance to look over these documents and there is several things I noticed on top of this companies deceptiveness, false and misleading statements, abusive and obscene languages, all clear violations of the Fair Debt Collection Practices Act. 

On top of the company showing a ledger with a XXXX balance. None of these documents show the character amount furnished on my consumer report in the amount of {$1600.00}. I have repeatedly asked for verification of this debt or some type of itemization of each dollar amount of this debt and the ledger provided by Key2Recovery shows proof that this debt collector is using illegal, false and unfair means to collect. 

Because the so called ledger is password protected I have included a screenshot of the XXXX out balance along with the alleged write-off amount. 

I have also included the screenshot of this account on my credit report which I would like to point out two different balances that are not reflected on this ledger.

Key2Recovery has violated 15 USC 1692a by providing an abundance of evidence of abusive, deceptive, and unfair means to collect on this alleged debt.

15 USC 1692d ( 2 ) by using abusive and obscene language from not only this agent insuataing that I should have known the password of both of these documents, but from the agent XXXX XXXX by stating that since she is a manager I shouldn't have to speak with another manager although she could not assist me with the day to day operations. And the deceptiveness of not providing a password to get me to call in where the only focus was to get me to consent to receiving unwanted and unfair calls and emails. Also the misleading that ANY agent of this company would be able to assist but no one was properly trained. This only shows that the reason the document was password protected to began with is so that investigators of the CFPB could not see the next violation which is the false representation of the character amount of this debt by reporting two different amounts that have nothing to do with the alleged password protected ledger which is a violation of 15USC 1692e ( 2 ) ( A ).

I can only imagine the consumers that are being affected by this companies abusive, deceptive and unfair ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
InXX/XX/XXXX, I made payment arrangements with Client Services regarding Capital One Bank, N.A. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having Capital One Bank NA/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : Capital One Bank, took payment to close this account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: CA
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 XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation