BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
late fees, every time I would ask for late fees to be waved over the past 30 years they never would. poor pratice in handling money from a house firer claim for repairs. also I was change for the inspection by theri company during the XXXX {$120.00} when the inspector lied, they allowed the contractors to lie about the repairs on the house when it was not true, I asked the lost dept not to release anymore money to the contractor, they did anyway I had to pay {$10000.00} to have a lein removed by the contractor. which i signed a noe lien contract and Wells Fargo would not help me dispute this claim

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 2022-03-08
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: Account information incorrect

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX Account XXXX XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2017-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Citibank t o refund {$700.00}  XXXX  to credit card customers for unfair and deceptive practices.     I did not receive any refund from  Citibank eve n though i enrolled in  Identity Monitor s ervice in the service from  XXXX  to  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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more 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 investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody 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 2022-10-10
Company: EQUIFAX, INC.
State: IA
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:
All three bureaus XXXX XXXX, XXXX and Equifax are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by XXXX XXXX XXXX and Equifax reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by XXXX XXXX and XXXX while Equifax reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by Equifax from XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, Equifax deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and Equifax have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
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:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

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 2021-04-16
Company: EQUIFAX, 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:
My lender XXXX XXXX XXXX, reports to all three bureaus at the same time every month. The information they report is a snapshot of the last statement bill. The information for the month of XX/XX/2021 and XX/XX/2021 was and is being reported incorrectly by only one Credit bureau which is Equifax. I have disputed the inaccuracy three times, the last dispute still in process. 
Both previous dispute resolutions are stating that XXXX is reporting a {$3000.00} balance on my {$3000.00} Line of Revolving Credit ... this is inaccurate. My statement balance ( which I forwarded to them and XXXX XXXX department confirmed to me ... is showing {$1.00}. I've also talked to a representative from eOscar which is the company ( data transmission ) that is used to report from the lender side and investigate disputes from the bureau side, there is nothing they can do apparently. 
Equifax has also had to remove and report several collections and other debt, all of which they have not increased my score at all. 

This is beyond problematic. We are entrusting our lives to faulty companies with little to no consumer empathy as to how they are affecting our lives. This is not fair and has caused more XXXX XXXX and it's not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just went online to my XXXX XXXX XXXX, and my Credit Score had lowered by XXXX plus points. As I researched the immediate decrease, I find the following : I have been experiencing identity theft since XXXX 2022. This was due to a data breach by XXXX XXXX XXXX XXXX. 
The identity thieves have been able to accomplish much fraudulent activity with Discover Card Services. I have made countless contacts with Discover Card relevant to this. I have closed accounts to prevent this. All my Discover accounts should be closed. And if not, do so immediately. I have filed disputes directly with Discover Card, through Credit Bureaus, and also filed previous complaints with CFPB against Discover Card for this. I had everything properly set in place to prevent this -- -and why does Discover Card continue to allow this same thing to happen?? This back and forth is getting very aggravating. I am asking for help to immediately stop this. I have Credit Freeze and Fraud Alerts in place to prevent this. I should have no open accounts with Discover Card. So how have these identity thieves charged just under {$2000.00}. Please review all my disputes and communications and there have been many. Make certain I have no open accounts, and remove this from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: CA
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Amsher Collection Services, 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:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the   XXXX   day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : 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 {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
Purchased money order for  XXXX  at   XXXX   XXXX   XXXX   in  XXXX   XXXX   XXXX  l pa in beginning os  XXXX   2017   . I submitted it for payment to   XXXX   XXXX     XXXX  for payment and it was cashed on  XXXX   XXXX     2017 a nd came back. To them as ndf on  XXXX   XXXX     2017.  Talked yo wedtern union  4  or 5 times and they said it went through on  XXXX   XXXX   2017    and thats all the info they had. Ive tried resolve the issue with   XXXX   XXXX   and no one is allowed to talk to the accounting department. They tacked on an additional  XXXX  to what i already owed and now wint ship my medicine. They lied and told me someone from accou ti g left a message on  XXXX   XXXX     2017.  I calleled  XXXX   XXXX   2017 an d yhey said theyd call that day.  Todsy is   XXXX   XXXX     2017 a nd no call fro.  Accounting. Whats the big secrect because not even customer service has a number for them. I filed a complaint with them about it today. I never heard of a money order that bounced and i need help and a quick resolution. Western  union number is  XXXX . The money order number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT ARS ACCOUNT RESOLUTION IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: ERC
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:
XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT ERC IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried multiple times to dispute my bankruptcy report being remove from XXXX XXXX and Experian due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

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 2022-03-08
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:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EXPERIAN OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EXPERIAN has caused severe stress and anxiety due to the abusive and unfair practices. 
The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAINE & WEINER COMPANY, INC.
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:
I left XXXX XXXX in XXXX and also stopped banking at XXXX XXXX XXXX XXXX in that same year. I owed roughly XXXX on a XXXX Credit Card and let that debt default. They charged off the debt and apparently sold the debt to Caine & Weiner XXXX in XXXX. Suddenly this year, it is now showing the debt was created in XXXX instead of XXXX or even XXXX? I am certain they can not change the dates of the debt to keep it on my credit report forever, and they are acting like they can not do anything to help me, even though it is XXXX XXXX XXXX XXXX XXXX that is reporting this to all of the credit agencies. It is not the collections agency that they keep referring me to and who has never sent me a thing on this new debt that was written off years ago? I am looking to get the dates back to where they should be, and I feel like they are playing dirty on this. I need your help. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation