BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: Experian Information Solutions 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 was notified by Experian that an account I had with XXXX XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by XXXX XXXX about this account nor had I in any way requested the account be closed. I then disputed XXXX XXXX 's claim via Experian and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that XXXX XXXX has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If XXXX XXXX can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account had an outstanding balance of approximately {$370.00} ; two payments from being paid off. This card was issued by Wells Fargo, phone number ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX. My account was in good standing and closed once I made the final payment of {$370.00}. During this before I made the payment my bank account was compromised and I had to resolve that matter before I could pay my bill. During this time I notified Wells Fargo of the situation and was instructed that my account would remain in good standing due to the extenuating circumstances. When my bank account compromise was resolved I made the payment in-full and thought all was well. Then I received a notification that my credit score had changed, so I'm excited because I just paid off this card thinking my score had increased. Much to my dismay, my score was negatively impacted due to negative reporting my Wells Fargo. This was a total contradiction from what I was told was going to happen. I didn't work hard all my life just to have my credit ruined by some greedy corporate XXXX XXXX  guy that has a silver spoon in his mouth from birth. I've served my nation and was taken aback by how Wells Fargo treated me and I will never deal with Wells Fargo!

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 2021-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES, LLC sent out 4 more documents stating that I still owed after being told that they already violated my rights years ago and to this day, after telling them to cease communication yet again more bills were sent and they did not honor my request for the removal of reports. PORTFOLIO RECOVERY ASSOCIATES, LLC has caused a great amount of emotional discomfort and distress, stress, missed opportunities in obtaining houses and cars due to the inaccurate reporting and unprofessionalism of this company since XXXX.

this is for the record that they are being put on notice of violations.

and in pursuant to 15 U.S. Code 1692k they have to pay {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/Self Lender is reporting 2 accounts ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX XXXX XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. 
XXXX. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for these items I called XXXX told i sent in a dispute they have my police any other information they need they have they acting like they cant do nothing im in the process of trying to get me and my family house. So whatever you guys can do for me would be thats getting these items of my report so i can live my life me and my family.

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 2020-12-28
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXXXXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2020-12-24
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already complained about this company and this same debt.Unfortunately, there were 2 collection companies that were worded ( almost ) Identical. The company reached out to me and told me, I apologize to them I am still in the same boat with the o right collection agency.Ive been fighting this bill for years, which brings up very bad memories every time I have to go through this. I explained this to the company, they are well aware that this bill was paid for, I got into an argument with a few people when this first arise four years ago, and instead of fixing it, or helping me, by removing it, they used to call threatening me, and they listed the same exact debt on my credit report 8 different times. The amount of the debt is {$780.00}, they also sold it to another company as well, so theres another bill for {$400.00} some odd dollars listed on my credit as well which is also the same debt. The bill originated in XXXX or XX/XX/2015, and the original creditor was XXXX XXXX Hospital then XXXX XXXX XXXX. I have explained over and over to the current company going back years now that I had insurance and it was paid for and all it did was get me into arguments. I spoke to the hospital that the original bill was from and the other creditor and I was explicitly told that the bill was paid by Florida XXXX in full. I also had XXXX at the time, they were well aware of both of those things, but now that I spoke to the hospital and they told me the bill was paid and they have no idea why am being chased by this creditor, I dont know what else to do because they will not remove it off of my credit reports. This company is very dishonest. I would appreciate any help you could give me. Thank you so much & have a great holiday! I was just denied by the way for another cell phone, I couldnt get my mortgage and the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from Mohela dated XX/XX/2022 indicating that my student loan was not forgiven based on three factors. Those factors were false. I worked for over 11 years in a public school system and Im currently working there. My employer completed the PSLF form indicating that I still work there. Yet the letter from Mohela said that it had an end date which was incorrect. The letter said I didnt indicate I worked full time nor did I show I work at least XXXX hours. The letter from my employer showed that I worked XXXX hours and that Im full time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: VW Credit
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was working with XXXX Volkswagen to purchase a new vehicle. I was waiting for the vehicle to be imported. My intent to purchase changed and I no longer needed a vehicle. The dealership pulled my credit on XX/XX/XXXX without getting authorization. 

I emailed the dealer several times over the course of the year, called and left 2 voicemails, and did not get a response. 

Today I called VW credit to dispute it and report the error and they told me I needed to contact the credit bureaus with a letter to dispute it. 

They should not have been able to pull my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I contacted the FS Genesis ( DBA Indigo Card ) credit card company regarding my account with them. The card I held had previous unauthorized purchases on it and although I had contacted the company regarding the fraudulent amounts several times earlier in the year, FS Genesis/Indigo continued to allow the charges to accrue, while charging me interest on the amounts, and did not offer an explanation as to why this was all occurring. 

Bizarrely, Indigo sent replacement cards to me but allowed those unauthorized debits and purchases to not only continue but they allowed the charges to transfer over to the new cards as well. 

Frustrated, I chose to not make further payments on the card until those issues were addressed. In seeking to find a resolution, on XX/XX/XXXX, I spoke with a representative at Indigo and subsequently a supervisor who offered to waive {$110.00} in late fees if I agreed to pay {$210.00} on the account that same day. 

I made the payment and today, XX/XX/XXXX, I realized my bank account was deducted for the {$210.00} total but the late fees were not removed. I then called Indigo and was told by a representative that I had supposedly requested my late fees not be waived. Considering how absurd that is, I asked for a supervisor who then offered to waive 2 late fees -- one less than the agreed-upon 3 late fees. I declined and advised that individual that I would prefer the agreed upon fees be waived or my money refunded. That person then agreed to waive all three of the late fees. 

Hours later, I attempted to log into the account but my credentials would not work. So I called Indigo and was advised that my account had been closed which means, Indigo opted to keep my money and close my account instead of refunding fees which they agreed to reverse and that to me smells like fraud and deception and I relayed as much to them over the phone. 

I would like this company to be sanctioned for their conduct by this agency and I'd like to add that this sort of activity seems to be a clear standard business practice for this disreputable company, which has accrued tons of negative reviews online along with accusations of other inappropriate and potentially unlawful business practices. 

I'd like to point out that I have not made a purchase with this card in over a year and the only remaining balance are late fees on payments concerning a balance that is fraudulent in nature. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely CORRECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-11-30
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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:
An account was fraudulently opened in my name on XX/XX/2015 by EXPERIAN XXXX with a current balance of {$0.00} According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, an unverified account must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the account listed below. I demand this account be verified or removed immediately. The accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity or any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. 

XXXX XXXXXXXX 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 2019-10-03
Company: SN SERVICING CORPORATION
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2019 I verbally requested and also faxed a request to XXXX XXXX for a transcript of all conversations and also all correspondence between S & N and us. She transferred me to XXXX who informed me that they would not do that without a request from a lawyer. Our HUD advisor told us it was not necessary to have a lawyer and it was our right to receive this information. As of XX/XX/XXXX it will be 30 days since request was sent and I demand that this information is sent to us within the 30 day guideline. XXXX can be reached at XXXX XXXX or XXXX. We have made several offers take care of this. We were totally unaware that they continued to charge us 10 % interest during the time post bankruptcy that this loan was dismissed. We had tried several times to get the loan interest lowered which at the time loans were at 3 % but we were underwater with the loan as the home market plunged within months of this loan. This is what forced us into bankruptcy. These greedy banks have been unreasonable. Our loan number is XXXX.

Company response to consumer: Closed with explanation