BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I responded to a credit alert from my private credit alert account in reference to a debt collection service- Zion Debt Holdings for the collection of {$1300.00} for an account opened in XX/XX/XXXX on XXXX. 

I immediately contacted the fraud team from my private service and discussed how to handle the issue. A member of the fraud team attempted to contact Zion Debt Holdings at approximately XXXX am XX/XX/XXXX with myself as customer on the phone. No one answered the phone number listed on the credit report. The fraud team member recommended that I attempt to call again within the hour to talk with a Zion Debt Holdings representative and to report back the outcome. 

I contacted Zion Debt Holdings ( XXXX ) XXXX, approximately XXXX minutes later to discuss the debt and to get copies with Wet Signatures of contracts that I entered into with the Debtor and Zion Debt Collections to whom the request for payment is identified. 

The representative was very unprofessional, rude, loud and disrespectful and I do not remember her giving her name because of the loud talking. She did not allow me to explain what and why I needed information, She continued to talk over me in references to not providing wet signatures of contracts. She remained loud and continued to talk over my request for proper identification of the contracted entities. 

The conversation became very intense between both parties due to the disrespect of the consumer 's right to be informed. I felt a violation of my right to know my accuser of debt and whom the collector requesting payment for the prevention of requested money not owed to a fraudulent entity, my right to be educated on the process, my right to be heard as a consumer. 

The representative actually hung the phone up on me XXXX  ( XXXX ) ; I called back XXXX ( XXXX ) times. The representative said it was a recorded line ; but does a representative behave in that manner if it is recorded? 

I am suspicious of the debt and the debt collection agency. 's identity and practice. 

I dispute this debt as fraudulent

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-06-02
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
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 2022-11-28
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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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 2023-06-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I submitted a complaint. Complaint # XXXX about WELLS FARGO CARD SERVICES. Wells Fargo had charged my mother, an XXXX year old woman with XXXX XXXX XXXX   for services like Life Insurance that would pay off her credit card balance when she passed away ; two accidental death insurances, and a Preferred membership program for discounts to concerts and such [ REALLY! What is an XXXX  year old going to do with this? ]. Wells Fargo then raised my mother 's interest rate to 18.35 % and continued to charge her from XX/XX/XXXX to XX/XX/XXXX, all the while the balance went from around {$2800.00} to over {$8000.00}. Then they cancelled the Life Insurance that would pay off the credit card when she passed away. I sent Wells Fargo my Power of Attorney and made many phone calls. Wells Fargo stated they did not have the Power of Attorney and would not speak to me. I went to lawyers who stated there was nothing I could do. I went to the Office of the Controller of Currency ( OCC ) who told me to contact the CFPB. Finally, I found someone who helped me. I filed a formal complaint and Wells Fargo responded. They sent a letter stating they have had my Power of Attorney since XX/XX/XXXX. They also removed most of the Life Insurance charges and the preferred membership charges. The bill was brought down to {$1100.00}.

My current complaint is # 1Wells Fargo was asked to remove those services but are continuing to bill for them. My sister made a payment of {$200.00} on the balance of {$1100.00} and the balance is now {$1100.00}. When I called Wells Fargo to find out about the charges and why only {$10.00} was put toward the bill ( where did the other {$190.00} go? ) the Wells Fargo phone rep stated that was interest and there were charges put on but then they were taken off. But why then is the balance {$1100.00}?

# 2 When Wells Fargo removed the charges for services over ten years, they kept the interest they charged for those bogus services for all ten years. WHY? Shouldn't the interest have been refunded as well?

I am grateful for what you have done for me at CFPB. Can you please investigate Wells Fargo and ask them to return my mother 's interest?

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 2023-05-23
Company: Marlette Funding, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi! I am being double charged a fee already debited by the company, and it also reduced my borrowed amount. I requested the company adjust my loan amount and they declined, stating no double charging has occurred. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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 the date of XX/XX/XXXX i sent out a dispute letter for Credit Acceptance Corp with the amount of {$6800.00}. 

I sent off the 611 letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section 611 letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item 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 monetary relief
Consumer complaint received 2023-04-16
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:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct 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 2019-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went to XXXX XXXX to get an annual free credit report and which time I was deceptively charged a recurring charge/fee of {$24.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX I attempted to contact the merchant Experian and requested a refund and was denied, Debt validation letter was denied, any proof of purchase ( wasn't able to provide ), asked about why I didn't recivce any reciept of purchase or achknowledgement of purchase wasn't able to provide, and requested a supervisor/manager was told that there are none that work on the weekends.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, XXXX, and Experian by certified mail. Over XXXX inquiries are included across the XXXX reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.

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 2022-04-27
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i have over {$100.00}, XXXX of student loan debt. The subserviceer of this asks for certain paperwork from Social Security. I am on permanent XXXX. I provided that information to them and they stated it was wrong. I called back and they stated it was on the form requested and had all of the necessary information and I qualified and they should not even need the form but it was provided to me to forward as a courtesey. They got a form from my pracitioner who maintains my health and they would not accept that information either. i don't know what to do. I have been on XXXX permanently since 2009. I am not getting anywhere and can not pay this I get {$800.00} a month that is all. I don't work because I can't not because I don't want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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 writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} 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 2023-06-02
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to the credit agencies regarding some hard inquiries on my credit report that I do not recognize. I am requesting for each inquiry below to be deleted. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you reverify each of these items, and that the inaccurate items be removed from my record. 

XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXXk ; 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 2023-10-23
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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