BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: WI
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:
I have hard inquiries on my credit report that I don't recognize which is, XXXX CARD. I already tried to fix this problem and even started to lock my credit report so it didn't happen again.

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 2022-07-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a recent widowed mother of XXXX young children. My husband was a United States XXXX and a Veteran. I have submitted a complaint to your company before due to Freedom Mortgage not working with me and My world came crashing down and changed in just a matter of seconds when we went to bed XX/XX/2018. I couldnt imagine that would be the last night my husband would be alive. XXXX XXXX XXXX XX/XX/2018 my life changed forever. XXXX suffered from XXXX and some other issues due to fighting for our country. My husband lost his life that night. 

My kids were my first thought and then everything else came later. I WAS ABSOLUTELY DEVASTATED. I could not go back to the house for months.When I finally did I tried so hard to keep up with all the bills but I wasnt able to. As a single mother with no help, no job or degree. My veteran benefits were not coming I was stuck so I fell behind on the house I didnt know how to go about things I was so scared. I am not on the loan or title of our home, only XXXX is and there was not a Will. The only thing I have is a letter XXXX wrote stating that I am to receive everything if anything happened to him. 
I did get my auction date postponed and have been in touch with the lender as I have been working on probate which has been a long process.My first court date on XXXX XXXX the judge said my petition was poorly done and I had to have a lot of things done to correct it so the next soonest court date was just XX/XX/XXXX and I was finally granted the petition for probate. I let Freedom Mortgage know what I have been doing and asked for a little more time and to postpone the auction so I can save my home and act in good XXXX want to save my home. They stated they could not do a postponement. This is the only home my children know. We have no where to go and no one to help besides the one person who reached out to me. She has been helping me learn about all of this. We have done everything to try and get the auction date postponed but Freedom Mortgage wont work with me. I now have a job and my VA benefits and can make payments and keep up with all my bills. I dont know what else to do.

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 2022-09-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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. 1681a-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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed 2 fraudulent transactions on my online bank statement. I called the bank that day and was told the charges would be reversed. 
On XX/XX/XXXX the charges were still showing on my account and I called again. This time I was told that because the charges were " pending '' I could not do anything about it yet. But the money had been removed from my account on XX/XX/XXXX. They said that I had to watch the account and call back to start a claim when it was no longer " pending '' and had " posted ''. I asked what the difference is between posted and pending since the money was gone. They said none. 
I only used a debit card because the bank advertised it was as safe as a credit card, but now they are telling me it is less safe than a credit card. 
I have lost over {$3000.00} and the bank is unresponsive. 
What can I do?

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 2022-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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. 1681a-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 2022-09-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2021-09-01
Company: EQUIFAX, INC.
State: DE
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. XXXX XXXX XXXX  Have fraudulent accounts on my credit profile that need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX XXXXXXXX 15 USC I have not giving written construction 15 USC Have violated my privacy

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL XXXX AND TRANSUNION TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : 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 INVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX  XXXX  XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY 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 2021-07-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Wells Fargo bank claims I took XXXX out of their ATM machine XX/XX/2020. My statements indicate I did not take anything sout of their ATM. They insist that I did and is charging me late fees and penalies. My credit score was XXXX  now its 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 monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I pulled my TransUnion credit report and noticed more violations. I want the description of the reinvestigation procedure for the below listed accounts. I want to know who you all spoke with to verify that these accounts were complete and accurate. I want the full names of each person, the addresses, what was asked to them, and what was provided by them in order for you all to deem this information to be accurate. Pursuant to 15 USC 1681i ( a ) ( 7 ) you are to provide that information to me no later than 15 days. 
1. XXXX XXXX XXXX 2. XXXXXXXX XXXX 3XXXX 1.XXXX XXXX XXXX 2. XXXX 3 . XXXX XXXX 4.XXXX 5 . XXXX 6. XXXX XXXX 7. XXXX Please note that I am aware that TransUnion ultimately never had my consent to report any nonpublic personal information to any 3rd parties or even house my information. I am aware that credit reporting is completely voluntary and you have taken complete advantage of me by ruining my reputation. You are to permanently delete the above listed accounts and inquiries.

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 2022-06-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I send letters to Experian three or four times to remove my personal information that i dont want in my credit report. 
The personal information is a address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2022-08-23
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable hard inquires which XXXX, TransUnion and didn't make sure it was reporting 100 % correct. I called many many times and told both companies and no changes hasnt change. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-08-23
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
As part of the negotiation for my new lease, XXXX XXXX XXXX of XXXX sent me a check for the final payment on my old lease that I was to forward to Chrysler Capital. I diligently did this in XXXX however shortly after I started being hounded daily that there was a deficit on my account in that amount, which then began accruing late fees. At first everyone I spoke with at Chrysler Capital " saw the issue '' and was going to note to their manager and make a record in the system, but nothing was ever resolved. Eventually I escalated to " the executive office '' who after researching informed me that they did indeed have record of the check, but that they issued a refund to XXXX XXXX XXXX of XXXX without my knowing. However XXXX XXXX XXXX XXXX XXXX claims that they do not have record of this refund, only proof that Chrysler Capital did indeed deposit their check ( which they've shared with me ). They requested that Chrysler Capital share similar proof and/or a reference number to track the refund but Chrysler Capital claims they " don't share that information '' which is a red flag for me- how then is anyone to believe that they issued the refund? I've written letters disputing the amount and they just continue to have random representatives call me for payment. This has gone on for 3 years and I am now at the end of my lease. Needless to say I'm exhausted from arguing with them. As I've refused to pay anything over my usual lease amount each month, I've now accrued a total amount due of over $ XXXX ( My old lease payment of {$280.00}, so everything above that is " late fees '' ) which will need to be paid by XX/XX/XXXX to prevent it from affecting my credit. My choices now are to pay that amount or go through the trouble of hiring a lawyer. This feels like a classic scam as Chrysler Capital refuses to produce proof of the refund issued to the dealer, the dealer won't help without the check reference, and there seems to be nothing I can do to end this but pay.

Company response to consumer: Closed with monetary relief