BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
The credit bureau Experian, are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX.This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian. It was not resolved and deleted from my credit file. They refused to delete this alleged account from my file. I have attached documents to support my dispute showing proof that this debt/ account does not belong to me

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 2023-11-11
Company: DISCOVER BANK
State: IL
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:
In accordance with the Fair Credit Reporting act, account DISCOVER BANK # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is in addition to complaint XXXX. The company still won't respond to my emails and now they have raised my payment to {$1800.00} per month, even though sent a document that state that our payment would be {$820.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received an email notification that my account had reached XXXX balance. I went to a branch and made a cash deposit, and told the cashier it needed to post on the same day. Wells Fargo didn't post it until the next day. 

In my online banking, the next day, the screen I could see, showed a positive balance and no fees. All this was, IIRC, XXXX. Now on XX/XX/XXXX, I'm being charged a {$35.00} fee, for a {$26.00} item I covered the same day. 

They are either keeping me in the dark, or are illegally backdating things to generate fees. 

I've been with the bank since 1976 and had a 10 year career in financial services, which included some compliance background. 

IMHO, this stinks and it's insulting that they are offering " as a courtesy '' to refund XXXX of the fee. It has been escalated, but will take days and I have no idea if I will be in a place where I can discuss it, if and when somebody calls back.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove 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 2020-08-23
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from agency in XXXX that this debt is closed by them and that it will be removed from credit bureaus but as of today this is still reporting and bureaus are not following orders of delete as stated on letter from creditor. Account is closed and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I received a notification from XXXX XXXX about a new debt collection account on my credit report. I checked with the credit bureaus and a collection was placed on my account, lowering my credit score 66 points. I disputed directly with the credit bureaus, as I have been a victim of fraud, and have a police report indicating same. I had no knowledge of the collection account. 

On XX/XX/2020, I received a written notification in the mail from Franklin Collection Services notifying me of a collection account with XXXX XXXX XXXX for " Utilities ''. This letter was dated XX/XX/2020 - over seven weeks ago! 

This was the first notice I received and in fact, I didn't know about the collection account until I received a notification from XXXX XXXX. 

I know that I have five ( 5 ) days from the notice of the letter from the collection agency to dispute the debt. However, since they sent me a fraudulent letter in XXXX that was dated over seven weeks ago, they are making it appear like I had received notice, not responded, so they reported this debt to the credit bureaus. That is absolutely not what happened! 

Their fraudulent actions and misrepresentations have led to my credit score being lowered 66 points, over a {$75.00} " alleged debt '' that I had no notice of! 

I have proof that I received the notice ( attached ) on XX/XX/XXXX from USPS Informed Delivery email dated XX/XX/2020. 

They violated my rights, they did not allow me time to dispute the account or request validation of the debt, and they are directly responsible for lowering my XXXX credit score well below XXXX! I have worked extremely hard at building my credit and their fraudulent and improper actions have ripped that from me. 

The credit bureaus will not remove the collection account because Franklin has reported it as a valid debt without providing notice to me or validating the debt. 

In addition to their improper actions, I had placed a fraud alert with all three credit bureaus on XX/XX/XXXX due to receiving notice that my identify has been stolen. I have a police report filed on that same date proving identity theft. 

In addition to Franklin Collection Services 's misrepresentations and violating my rights, the credit bureaus allowed an unverified collection account to be placed on my credit file AFTER I had placed a fraud alert and provided a police report. 

I have been the victim of improper actions by Franklin Collection and by the credit bureaus. My score is drastically lower which will effect many areas of my life - including buying a house, buying a car, my auto insurance premiums, etc. 

I will seek damages if they do not correct their actions and go through the proper, legal channels to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove 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 2023-01-10
Company: EQUIFAX, INC.
State: PA
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company SLS around mid XX/XX/XXXX and spoke with a representative about wanting to apply for a modification to my mortgage payment due to my grandmothers recent passing ( XX/XX/XXXX ) and unfortunately my income not being enough to cover my mortgage payment. I received a trial period plan agreement from my mortgage company SLS dated XX/XX/XXXX stating they would set me up pre modification in the amount {$1200.00}. Trial Payments -3 and post modification {$960.00} starting XXXX. The letter also indicated that my application was denied because the financial information provided doe not demonstrate the ability to repay- - The application has been denied because we were not able to verify a qualifying hardship I had sent in all the required documents/proof of my grandmothers death certificate as requested. I feel I am being discriminated against as a consumer please look into this issue 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 2020-07-30
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:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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 accounts below have violated my rights 1.XXXX Name : XXXX XXXX XXXX XXXX Account 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 a account without my written instructions 2.Account Name : XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions 3.Account Name : XXXX  XXXX Account Number : ending in 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 a account without my written instructions 4.Account Name : XXXX XXXX  Account Number : ending in 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 a account without my written instruction 5.Account Name : XXXX  Account Number : 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 a 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 2020-08-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to connect my checking account to multiple services that use XXXX. Some are essential to my life. 

Some, like XXXX, give access to my pay through no cost advances on my pay. 

Others, like XXXX, allow me to have a business bank account that I can transfer quickly in a verified way in and out. 

This is not an exhaustive list. 

XXXX is an important part of living online, PNC is important as the only real bank around. 

PNC should allow XXXX to access as all other bank accounts I've had in the past has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Their investigation did not fix an error on your report

Complaint:
I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2018-04-07
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: Problem with personal statement of dispute

Complaint:
Followup to complaint XXXX. 

I am at wits end with Experian. This is the third time I have submitted this request and not once has the issue been addressed. I keep getting the same boiler plate garbage although my request is totally different. THEY SIMPLY DO NOT READ!!!! 

Let me try again to explain what I need. XXXX please pay attention, because you keep closing the complaint without reading question nor answer. 

There was a dispute with XXXX CT XXXX because they idiotically kept sending notices to my old address one year after I had moved. This resulted in some rude incompetent collection agency harassing me. 

After contacting XXXX, I agreed that the amount ( {$140.00} ) was due but I have not paid them BECAUSE ( and please read carefully ) BECAUSE NEITHER XXXX nor EXPERIAN will accept responsibility for removing negative remarks from my credit report. They both say it is the other one 's responsibility. I AM CAUGHT IN THE MIDDLE. 

I will pay XXXX upon confirmation by both parties that they will agree to remove negative remarks from my record. 

IS EVERYBODY STILL FOLLOWING THIS??? 

Now, can I get an answer?

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