BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

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 2020-12-03
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by the number XXXX and a voicemail was left indicating that they were a debt collector. My name was not mentioned in the voicemail. When I returned the call, the person XXXX requested my name. I refused to give my name, as they had contacted me. I offered the phone number that I was calling from and I was told that I had to provide my name so that I could be looked up. I refused to give personal information. This situation concerned me for a potential scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXXXXXX XXXX XXXX I talked with executive team about my matter regarding falling behind with Mortgage because of family becoming ill. They ignore on helping me and can't reach the party that was supposed to help me. This problem has been going on too long now and just want to resume my mortgage at a timely matter but there customer service dept at so many level is HORRIBLE PERIOD and also in closing they have been reported to the media on how they treat there customers including us

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 2022-04-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/2022 i went to open a restricted court ordered savings account for my minor daughter and was told chase put a freeze on my social security number. i called chase to tell them i had covid which led into XXXX and a failure to maintain my account. chase told me they would lift the freeze if i opened an account with them for my daughter. when i told them no i dont want to open her account with them since they were unwilling to work with me they told me goodluck and hungup on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against the Phoenix Recovery Group located in XXXX XXXX Texas. I have no understanding of where this company got such an enormous charge stating that I owe XXXX XXXX XXXX. These folks, called me numerous times in the past, and emailed as well. I choose not to talk to them because I really feel like it's a scam. These folks are trying to say I owe nearly {$4000.00} and I would like to know, how? This notice just came to me out of nowhere one day and I don't appreciate false reports on my credit and because I have read the reviews and I know that these people are scammers, I'm asking for assistance, as well as a valid explanation? I am not paying this company one XXXX XXXX. Nor will I take responsibility for something that I had no part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX been supplying XXXX XXXX, XXXX, Experian and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.

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 2022-04-14
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:
Hello, I am complaining about the negligence from TRANSUNION. 

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me. Just so we are clear i am not workin with a third party, I am exercising my rights as consumer for some negative items i dont recall. Your response is ludicrous. I will be in touch with my FDCPA Lawyer since you guys are ignoring my request. Please be on the look out for an complant if i DNT HEAR BACK Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items :

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 2018-10-10
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: OH
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 still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. 
XXXX XXXX XXXX  has two fraud accounts and they won't remove them I have provided them and XXXX with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to LVNV funding to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX fraud agency that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX management nor its affiliates they are operating in shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: LA
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 was a victim of identity theft. Experian has removed this fraudulent account in the past from XXXX XXXX XXXX. I have sent over my FTC REPORT AND MY POLICE REPORT. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT FILE

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 2018-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

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 2023-04-21
Company: LEXISNEXIS
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:
XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  been supplying XXXX Nexus, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
XXXX XXXX XXXX added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.

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 2023-04-21
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:
On my Experian report XXXX XXXX account was listed as first being in collections for {$1800.00}. I disputed it sending in proof account was paid as agreed for {$1800.00}. It was then updated to being charged off for {$3600.00}. I disputed again and sent proof again it was paid as agreed for {$1800.00}. It was then updated to being written off for {$3600.00}. This account was paid as agreed

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I got an email from XXXX  saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those

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 2021-08-19
Company: CITIBANK, N.A.
State: OR
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 3 occasions, while trying to add extra money to lower my balance, I submitted an incorrect account # or routing # due to a typo. ( My hands shake badly. ) I immediately remedied the situation, transferred more money to them and paid a {$35.00} penalty for each mistake. They closed my account.

My automatic payment was set to pay off the balance each month and did so. There has never been an error in my automatic payments. But when I tried to lower my balance manually I made 3 mistakes between XXXX and 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 2023-11-06
Company: Westlake Services, LLC
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:
Wilshire consumers has inaccurate information on my report. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The paid off amount is not accurate. Monthly payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my 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 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX XXXXXXXX

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 2022-04-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX  I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, i contacted XXXX regarding an account that is reporting on my credit report. I sent them a letter because Midland Credit Management advised that XXXX is the original creditor. I contacted both of them requesting information ( debt validation ) that this debt belongs to me. XXXX just keeps emailing me stating that they do not own the account and to contact Midland Credit Management. Midland is only sending billing statements which is not a debt validation. I request to have signed original agreement, payment history, proof that they are able to collect in my state. Neither are providing me information and this needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
CREDIT REPORTING AGENCIES EXPERIAN AND XXXX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXXXXXX 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 2021-02-19
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 XXXX were notified by a credit monitoring application that Sequim Asset Solutions, LLC that a account with XXXX XXXX XXXX XXXX. I contacted Sequim and made contact with many associates inquiring about this account. After many attempts and the help I finally received the information and I now have the police report letting everyone know that I never opened an account in XXXX XXXX, Fl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation