BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX I did a balance transfer from the XXXX to my Wells Fargo credit card. As it turns out Wells Fargo left out a number XXXX from my account number. XXXX did not send an error message which is protocol whenever this happens. Consequently a check was sent and evidently did not get cashed. I 've been charged interest on each of these cards. They 've known about the mistake since XXXX and I 've spent countless hours on the phone trying to correct this. Wells Fargo sent me an affidavit and gave me a number of option s, none of which would describe the present fiasco. I had to promise that I would not sue them. Both banks were in error and it 's not in my nature to sue. I did sigh this and still nothing has been done. I just want this straightened out. I do n't want to pay any penalties or any interest I would not have otherwise occurred. Normally I do a balance transfer right when the interest rate goes up. I usually do n't end up paying for extra interest because i transfer the money back because of specials various credit cards have. The XXXX tellers gave me false dates about this when I inquired. I ended up paying for two or three months of high interests. I then did the balance transfer that never was recorded. Please help if you are able

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Alliant Capital Management LLC
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I mailed a post dated check, they held it for a couple of days but still cashed it four days early ; my banking organization honored the check early also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to to a auto dealer ship to find a new car, I found one I liked and was asked to step in a office with a sales representative. I told the rep. that my scores were only fair and that if he had to pull my credit more than once or twice then it would be best if I just waited until I was in a better position with scores. He told me he was sure he could get me done first try with their bank that was not true. 

XX/XX/XXXXL, XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, 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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from 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 2022-05-26
Company: EQUIFAX, INC.
State: MO
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 XX/XX/XXXXAccount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reference # XXXX bankruptcy, 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. 

the bankruptcy court did not furnish this information to the credit bureaus

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 2016-08-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my 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 2022-05-26
Company: EQUIFAX, INC.
State: PA
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 Account, XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: ENCORE CAPITAL GROUP INC.
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 do not have a contract with MIDLAND CREDIT MANAGEMENT.please send me a copy of your license to collect a debt in New YorK State. You purchase debts as a debt collection device to make money as a debt collector, in which this alleged debt is already paid in full by MIDLAND CREDIT MANAGEMENT. YOU have 5 days to respond with a statement of account with a zero balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will receive notice and demand for {$12000.00} in damages for Fraud, Denial of right to privacy, Dishonor of commerce, TILA violation, Collusion, Racketeering, Intimidation, FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.

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 2016-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2022-08-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my XXXX XXXX a negative account which if you look at my accounts on XXXX XXXX they are all paid on time. 
an account LVNV is on my account says its origins are from XXXX so i check my XXXX XXXX  account and that account is fine and in good standing its linked to my bank account so I call XXXX and they ask me if i called the the lvnv company i said no dident know i could they said yes so i filed a dispute with both of them this was XXXX. I speak to XXXX today and they said lvnv is not removing it so i need to file an ftc report the bill is only just over XXXX us currency I could afford to pay it but why should i have to pay for something that does not belong to me. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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:
According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. 

If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
in accordance with the fair credit reporting act XXXX  account # xxxxxxxxxxxx XXXX, has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: PA
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 Account, XXXX Account 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

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 2022-08-18
Company: Stellantis Financial Services US Corp.
State: KS
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:
First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I was trying to get a XXXX car, they did a lot of hard inquiries on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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