BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing this account for a while. The company has attempted to verify the account. 
Wells Fargo card services-XXXX According to my credit reports this Account was opened on or around XX/XX/2014 at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
I did not live in XXXX at this time. I have attached a picture of my government issued ID at the time proving that I lived at XXXX XXXX XXXX XXXX, XXXX   XXXX. From XX/XX/XXXX-XX/XX/XXXX. This alone proves that the timelines do not add up. Please remove this account.

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 2022-10-24
Company: EQUIFAX, INC.
State: MI
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'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2024 A credit card payoff was made on my behalf to Barclays Card US in the amount of {$11000.00}. By XX/XX/2024 The payment had not been posted. I contacted Barclay customer service and was informed the payment was never received. I then contacted XXXX XXXX, the party responsible for making the payment ( after a cashback refinance ) and after a little research learned the check had cleared on XXXX and was given a copy of the cancelled check. I called Barclays again with this new information, furnished them with the checks routing number, account number, and check number. I was informed that Barclays assigned a case number to my claim and would investigate but it would take anywhere from 10-30 days for resolution. In follow up messages to Barclays, they now claim it coild be 2-3 billing cycles before this issue could be resolved. This is totally unacceptable in light of the evidence presented to them directly which totally substantiates the claim of the payoff made

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 2022-06-14
Company: FORD MOTOR CREDIT CO.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I purchased a new XXXX XXXX at XXXX XXXX in XXXX. At the time, I purchased the following add-ons : Premium Maintenance ( {$1400.00} ), Tire and Wheel ( {$690.00} ), and Protection Plus ( {$190.00} ) under Deal # XXXX. I was not entirely satisfied with the vehicle and subsequently traded it in this year ( XXXX ). During the trade in, the loan was paid off and the vehicle was surrendered to the XXXX dealership. I have provided ( twice ) the supporting documentation that was requested to get a pro rata refund for the add on products ( first contact on XX/XX/XXXX ) and have not heard so much as " we're working on it '' despite following up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: First Technology Federal Credit Union
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX - XXXX charge on credit card XX/XX/XXXX - Statement closing date XX/XX/XXXX - Statement due data XX/XX/XXXX - Next statement closing date XX/XX/XXXX - Next statement due date XX/XX/XXXX - First tech calls me to indicate late payment past 30 days due already reported on my credit report, I immediately pay the card and close the account XX/XX/XXXX - First tech reports first 30 day delinquency XX/XX/XXXX - First tech reports second 30 day delinquency XX/XX/XXXX - Lender hard inquiry XX/XX/XXXX - Visit branch in person to resolve with First tech, I am told that this is not an error and to call the generic customer service hotline. I call customer service hotline and they reach out to same department that branch member talked to and give me the same incorrect information. I request to speak to someone in the credit department but they refuse so I speak with a manager. The manager assures me that this second 30 day does not make sense and they say they will speak to the credit department themselves and call me back the next day. I then talk to another customer service representative and get the exact same story. 
XX/XX/XXXX - First tech calls me back and tells me that they will take up to 30 days to look into meanwhile my window for correcting the XX/XX/XXXX hard inquiry is expiring on XX/XX/XXXX so it is likely that my credit will suffer an addition drop due to another hard inquiry after this matter is resolved. 

From the timeline above, it is clear that the second 30 day delinquency was filed in error by First Tech. This was reported to only XXXX and not the other 2 credit bureaus so it was clearly an error. Also, based on the fact that the account was fully paid off ( AND CLOSED ) on XX/XX/XXXX, there is no way that a 30 day delinquency should have been reported on XX/XX/XXXX. First tech has refused to take responsibility and simply provide a letter stating that this is an error to avoid further damages to my credit. As a result, I will have to pay extra points to reduce in interest rate to a level that is still higher than if this error was not present, or refinance after the error is corrected. As a result I will suffer thousands of dollars of damage that could have been avoided if first tech was competent enough to recognize and resolve their error the first time they were made aware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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: Was not notified of investigation status or results

Complaint:
I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
These following account, inquiries and personal information are all incorrect Please delete. 
collection 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NV
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 never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2021-03-23
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a reoccurring problem with a debt that my son incurred in XXXX when he was XXXX years old and living on his own. Paramount Recovery Systems has put this on all three of my credit reports and I have disputed it and had it removed on more than two occasions. They can not tell me any other information than the debt was for a company called XXXX XXXX XXXX XXXX and can not give me any other information. I know that it belongs to my son because he was hospitalized in XXXX and received XXXX XXXX. I have disputed this time and time again but they keep bringing it back. This time it has caused severe circumstances to my financial well being. I need this to stop because it is not me and I will not pay a debt that I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Just a brief summary of the case : On XX/XX/XXXX XXXX XXXX XXXX filed a fraud foreclosure claiming unlawful payments out of the permanent modification agreement that they signed on XX/XX/XXXX, and which document I am attaching to this complaint. 
XXXX XXXX XXXX later transfer the service to XXXX XXXX that did follow the same pattern of returning my payments made accordingly to the Permanent Modification Agreement, and Land Home FS is also doing the same from they took the Service in XX/XX/XXXX this year. 
Because it could be that the Permanent Modification Agreement contract ruling this loan hasnt been disclosed to Land Home FS is the reason why I am enclosing the document for review ; it proofs that I have always been correct in my payments and as proved in Court I have never been in default. 
Land Home have returned all accumulated payments, including theirs, and I sent the payments back on XX/XX/XXXX including the payment of XX/XX/XXXX, according to the established modification contract, I exhort Land Home to accept the payments in order to make things straight and not let extend the length of their mishandling that could also impact their amount of Respa fines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: NCB Management Services 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:
Disputed the alleged debt with the debt buyer by the name of NCB management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of NCB is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
NCB management or NCB are both reporting to XX/XX/XXXX and XX/XX/XXXXunder different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-03-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH. They stated that I owed XXXX an unpaid balance. After speaking with XXXX they stated they did not know about it. I have never had an account with XXXX, nor have I ever sent anything XXXX. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
I have 4 Inquiries on my Equifax credit report that are due to Identity Theft. 
I did not authorize these Inquiries and I do not recognize these Inquiries. 

XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: W&A Intermediate Co., LLC
State: OH
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:
On XX/XX/2020, Wakefield and Associates added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Wakefield and Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On our XX/XX/XXXXstatement ( attached ), we had a credit balance of {$4300.00} related to the issues caused by CFPB Complaint ID XXXX. My wife and joint account holder called Citi Customer Service twice to have this credit balance returned to us as it is significantly higher than our monthly spend. On the first call, Customer Service told my wife they would look into the issue but would not execute a refund and required more information. My wife prepared the information and called Customer Service again. They had no records of the 1st call and would not execute the refund. We ask that Citi return our credit balance as soon as possible.

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 2023-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, Experian fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. 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 explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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