BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: OH
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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation. 
Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was used to open up several accounts fradualently, police report is available. 
Please remove all listed accounts 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NM
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My due date is normally the XXXX of each month. Much to my surprise, the bank changed my due date to the XXXX of each month without me knowing. Furthermore, I paid my bill at XXXX XXXX  PDT XX/XX/XXXX but the bank translated this ti XXXX EST. on XX/XX/XXXX. The specific time in which the payment was due is never mentioned on the contract and I had assumed paying at XXXX PDT will make my payment post the same day. 

Finally, according to the contract, the charge for late fees are either {$29.00} for a first time late payment or {$40.00} for every additional late payment. The fee I was charged of {$36.00} was not listed as one of the charges on my contractual agreement, and thus, I believe, is invalid. The fact that the bank changed my due date against my will, charged me for a payment that was made at the correct time in my time zone ( which they were ambiguous about in their contract ), and charged me a late fee that did not match their policy, makes the late fee charge invalid.

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 2020-03-30
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA Mortgage is currently serviced by Wells Fargo. Wells Fargo set up a trial payment modification for XXXX, XXXX and XX/XX/XXXX, where the payments were set at {$1100.00} per month ( see attached ). Wells Fargo collected the XXXX and XXXX payments, but refused to collect the final payment to complete trial loan modification and covert to a permanent modification. Wells Fargo cites that the contract was never signed and returned, however it was sent back via regular mail to the designated address. Furthermore, I notified Wells Fargo via phone that I was accepting the offer, which was requirement within their contract. Per IN Law, oral contracts are enforceable within a two year period, so the contract was definitely valid. Wells Fargo has definably violated IN contract law. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of 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 2022-04-13
Company: Genesis FS Card Services, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There were two separate accounts open under my name. I disputed the accounts with the original company who issued the credit. I was told that the information was going to be investigated. In my report only one account was closed but one still remains. XXXX refused to accept my dispute. I was not given the reason why they believe is mine when I told them I spoke to the company about this issue and they have agree to remove the ousting debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: MI
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 notified this company numerous times in regards to this debt through fax and mail, and I have yet to receive a response in regards to the validation of this debt.

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 2023-01-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year of 2019. I am unsure of a medical procedure taken place. If it is true. I have been furnished with medical insurance all my life. I have submitted proof of this insurance in a dispute that has been underfor over the past few weeks. Nothing has been done about it in the decision. I am only aware of what they have on my credit report. The amount is XXXX from a medical group. When I called that is when I became aware of it being a medical bill.. They noted the account to settle for XXXX but I informed them I have had insurance all my life.. However, when submitting the proper documentation such as NJ XXXX XXXX XXXX # and the XXXX XXXX NJ XXXX through a dispute with XXXX. My information couldn't have been ran through the system appropriate because the completes investigation says " We confirmed with the creditor that the amount is accurate. That is not the appropriate argument.. The argument is I have had medical insurance ALL my life this shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IL
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
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: Old information reappears or never goes away

Complaint:
There is an account reporting on my Equifax and XXXX that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is violating my consumer rights and breaking Federal laws by continuing to report their collection debt to XXXX-a credit bureau-after I have already formally submitted a dispute through XXXX regarding this debt collection company. They not only have kept their collection entries on my credit report, but they are also falsely reporting it as being an open account for two separate entries on my credit report. I lost my dispute by the way because somehow they managed to lie to XXXX and enable them to keep reporting this no longer valid information to the credit bureaus. There is not a single collection company that has continued to leave their entries on my credit report asides from this company. Every other Collection company has removed and deleted their credit entries on my report, but Universal Recovery Corporation refuses to comply with my rights and the law after I have filed for Bankruptcy on XX/XX/2022. I honestly believe that this is an act of retaliation on their part towards me from a previous legal matter that was filed against them, and was settled in my favor outside of court. Why else would they drag their feet and leave this very harmful information on my credit report when legally it must be removed after they were notified of my bankruptcy status?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Collection Associates, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020, I received a credit alert When I checked my credit report I saw that I had a collection account from Collection Associates XXXX XXXX XXXX, XXXX, WI. On further investigation I found that they also operate as Collection Associates LTDXXXX XXXX XXXX XXXX , XXXX , WI XXXX. When I first disputed this account it came back as verified, I have never had an account with this company nor who they say they are collecting for. I have not received any notifications in the mail nor phone calls about this debt it just showed up on my credit reports. I contacted the XXXX  and Collection Associates response was that they don't have an account with me. Which is untrue because they are on my credit report. They also operate with two different phone numbers one being ( XXXX ) XXXX and the other being XXXX. I found this out by a class action lawsuit that was filed against them ( XXXX v Collection Associates LTD ). The PO Box address is the one listed on my credit report, the street address is the one I filed a complaint with the XXXX  and Collection Associates claim I didn't have an account with them. I believe they are giving consumers the run around by having two different addresses and phone numbers so that we can not complain and just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions 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 am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on 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 2023-10-16
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Open the account up in XXXX set up direct deposit with my social security check setup that my cell phone bill automatically be paid each month on the XXXX of each month out of this account XX/XX/XXXX came took {$48.00} out of the account button didn't pay the cell phone bill had to pay the bill with another account have proof of paying the bill XX/XX/XXXX same thing happened got a copy where I had to use another account to pay bill filed the dispute they closed the dispute said they came to a resolution didn't put the money back from XXXX then put the money back from XXXX and close the account and now my money is just missing and the bill didn't get paid by them and they won't reimburse me my money I want something done about this this is probably terribly wrong and misleading as well as they said if you make if you put direct deposit in you could get over a {$200.00} overdraft fee come to realize that you got to have over {$200.00} deposit I had {$180.00} I didn't qualify doesn't matter I want my {$48.00} from XXXX and XXXX they took my money they didn't pay the bill I could prove they didn't pay the bill and the lady told me they couldn't tell me why they didn't pay the bill why they won't give me my money back and why they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) 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 2021-03-01
Company: T.S. Holdings
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX. 

However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date. 

XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX. 

This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me. 

The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: TN
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 recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by WF CRD SVC on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this 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 non-monetary relief