BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, XXXX  XXXX XXXX account # 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 Sectign 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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative.

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them 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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( TransUnion, XXXX XXXX XXXX ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the XXXX data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day 51.

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 2021-02-25
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX  Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off 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 2016-07-12
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.

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 2021-12-11
Company: COMMUNITY CHOICE FINANCIAL, 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: Credit inquiries on your report that you don't recognize

Complaint:
Received notice of credit inquiry by XXXX on XX/XX/21 via email. After accessing my XXXX account, it showed that Cash Central had made a credit inquiry on XX/XX/21, and I did not apply for any credit or authorize any company to access my credit report. I would like to have this removed from my credit report by Cash Central. If the company deems this is a legitimate inquiry, I would like supporting documentation with the actual name of the business in which the application was made, the terms of the loan, and proof of my authorization of accessing my credit report - preferably a signature. If this was made electronically, I would like the audit trail of the transaction, including the public IP address, time, and date the authorization came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Federal employees stole all of my info and I went to Experian today to get it noted on my account. They said I had to pay {$20.00} a month to get my account flagged and monitored for identity theft. That's illegal.

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 2019-03-03
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I tried telling whoever they my be that it's not me. I have never held a job or not paid my bills. I am neigh targeted for some unknown reason and I in no way can pay 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 2020-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Company : Portfolio recovery associates LLC Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Personal information incorrect

Complaint:
On XX/XX/2020 I applied for a XXXX Credit Card for XXXX XXXX. I came back denied because Transunion had incorrect information on my credit report and XXXX could not validate my identity because of it. I call Transunion and they said they were sorry for the correct information and I went over everything over the phone and they said they now corrected all the information. I got a Hard Inquiry on my credit report because of it. I ask Transunion if I applied for credit for a different XXXX XXXX  XXXX now that everything it fix I should be fine correct? They said yes. On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  XXXX and I got denied for basically the same reason and another hard inquiry on my credit report. I made a claim to the CFPB for the XXXX Credit Card regarding this and my Hard Inquiry and requested that the Hard Inquiry get removed. Transunion just responded on that claim and said sorry for the issue and removed the Hard Inquiry. Since my XXXX XXXX application was the same problem and Transunion assured me everything was correct on my credit report and applying for the new credit will be no problem and I got denied based on Transunion incorrect info. I request that Transunion removes the Hard Inquiry for XXXX XXXX XXXX XXXX  from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out this loan a long time ago when I was working on my XXXX degree. I recently about a XXXX ago finished my XXXX Degree. I have a private student loan with Wells Fargo. I explained to them that as of right now the XXXX dollar monthly payment would not be feasible due to unexpected expenses that came up. They offered me a XXXX month forbearance which they went back and forth people telling me different things and I think I received XXXX month forbearance. I asked if there is anyway to get my payment lowered for a while because I definitely want to make my payments but I just ca n't afford what it is set at now. They said no there is nothing that they can do to help me, they can not lower the payment and that I just have to deal with my payment amount and make my payment. I ca n't believe that there is no help for me whatsoever. Is there anyone out there that can help me? Wells Fargo never wants to help you, it is always your fault, I just need it lowered for a while so that way I can make the payments on time. Please let me know if there is any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: NY
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:
Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund 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 monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX XXXXXXXX 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