BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a HELOC loan with Wells Fargo Bank back in 2008 for {$25000.00}. I have made more than the minimum payment for over 13 years never missing a payment. And I still owe over {$18000.00}. That's only {$7000.00} in 13 years going to the principal. And in the last 5 years I have paid {$200.00} a month and am still not seeing a decline in the balance. I have tried to talk to Wells Fargo but am told this is normal. A fair resolution to this would be to adjust the balance to where it should be. According to WF I have been paying about 40 % intrest as opposed to the 5 % of the loan contract.

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 2021-08-08
Company: Affirm Holdings, Inc
State: SC
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:
Affirm has reported 5 accounts as delinquent. All of these accounts were opened XX/XX/2021. I contacted the company via email to advise the accounts were not mine nor do I have any knowledge of the accounts. In addition the payment account/s provided for automatic payment do not belong to me. I never received a response from the company. 
I currently have one active account with Affirm ( XXXX  ). This account is current and automatic payment is debited from my wifes account which ends in XXXX. 

I dont have any knowledge of what products were purchased/financed in XXXX. 

The 5 accounts reported as delinquent were fraud and I should not be held responsible. 

Each time I have opened an account with Affirm it has been paid as agreed. If you look at my credit report all of my payments are made on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-05-03
Company: Alorica Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I am writing to dispute the validity of your company 's collection debt on my credit report. According to my records, I have no outstanding debts with your company or any other creditor listed on my credit report. 

Therefore, I request that your company provide proof of the debt. In addition, as per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Therefore, I ask that you provide me with the following information : 1. The name and address of the original creditor. 
2. The original account number. 
3. The date of the original debt. 
4. An itemized list of all charges, fees, and interest accrued on the account. 

I also request that you cease all collection activity until this matter has been resolved. Failure to provide me with the requested information within 30 days of receipt of this letter will result in my assumption that this debt is invalid. Please send this information to the email provided. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is Hunter Warfield they have my balance from an apt complex that I once occupied. XXXX XXXX I had to switch my number from XXXX to now XXXX. The number ending in XXXX SIM card is in a phone I dont use due to it was a daily issue this company calling none stop no end. I place every number they called me from on block. I have over 15 numbers. I have noticed on that phone with XXXX they are still calling everyday more than 2-3 times. They also I had one lady call me and I told her well I dont have it therefore you can not get the payment. She threatened to call my employer etc. she called me 5 times within 30 minutes. Everyone who calls from this company is threatening. I have spoke to three people and each threatened me in some accord if I didnt pay the balance. I advised you cant force me to pay for something I dont have the money to pay. the balance also steady is going up with them. It was placed on my credit report with a 5 thousand dollar and something balance but as of today the balance sets at 6695.00. This delinquent should be falling off at end of 2022. I am reporting this company because of the harassing tactics they use and if threatening consumers isnt part of the job qualifications then they have people who take it to the extreme. I am diagnosed with XXXX and XXXX and those calls makes me have mental episodes thinking something is going to happen to me etc because of the threat I receive on the other side of phone. Something need to be done with this company. Their calls are monitored and recorded per what they say and I know they should have something that shows they called XXXX far too many times. How and can I file a suit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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: Account information incorrect

Complaint:
My score dropped 67 points. I contacted Transunion rep unable to explain why. No changes to my credit. Other companies score did not drop. They has to be a system error with Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: TX
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OK
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  XXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my 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 2019-07-16
Company: EQUIFAX, INC.
State: MS
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:
Equifax is incorrectly reporting ( 2 ) collections in the amount of {$25.00} partial account numbers XXXX and XXXX. ( Please see page 13 of the attached credit report. ) These collections are allegedly from doctors visits last year for when a baby was delivered. I did not have a baby last year. My last name used to be XXXX. They have me confused with someone else whose last name is XXXX and has gone to the same hospital I had gone to in the past. These collections are not mine. I have contacted the bureau to have this line item removed from my credit report, however I have been unsuccessful. This incorrect reporting is harming my credit score and these line items need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-08-17
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX  Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX   RE : Collection Notice, Creditor :   XXXX   XXXX   Client Ref # :  XXXX  Acct. # :   XXXX     XXXX   : I received the attached collection notice in reference to the aforementioned account, dated  XX/XX/XXXX , on Friday,  XX/XX/XXXX .
I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal  XXXX  customer since  XXXX , 15 years while residing in  XXXX ,   XXXX   and the remainder of that period while in  XXXX ,   XXXX   XXXX  . 2. My service at   XXXX   XXXX   XXXX   XXXX   w as canceled in  XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system.
3. In XX/XX/XXXX , I paid  XXXX  {$1300.00} for a full system installation at my   XXXX   address. This, after having service with  XXXX  for 15 years in  XXXX  and  XXXX   XXXX .
4. I considered using  XXXX  again, after I moved in  XXXX  of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system.
In summary, to have been a loyal customer of  XXXX  for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking  XXXX  to courteously accept my offer of a final payment of {$280.00}.
Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved.
( Over ) Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX    XX/XX/XXXX ( Cont. ) Sincerely,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: OK
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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