BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: NC
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 have disputed with XXXX EQUIFAX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: RentDebt Automated Collections, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One day the collection just showed up on my credit report. I never received an documents from the credit agency or the apartment company giving me notice of a debt. I have called the company many times and have not received any documentation of this alleged debt. I was informed that there were discrepancies in their system and I would receive a call back. It has been two months since the collection was placed on my credit report and still I have no way to very this debt from either agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Account status incorrect

Complaint:
XXXX and Experian are STILL reporting inaccurate information in this accounts : XXXX ACCOUNT # XXXX XX/XX/XXXX - XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX  ACCOUNT # XXXX XXXX XXXX DAYS LATE XXXX XXXX  DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT XXXX ) PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 bureaus violated the FCRA and have not removed the fraudulently accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days They received a police report, a theft affidavit and supporting documents to identify myself.

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 2022-11-19
Company: Atlanticus Services Corporation
State: MD
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: SC
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 need to file a l complaint against Equifax. I am disturbed and alarmed to learn from an old roommate that some type of mail correspondence is being forwarded to him in XXXX. The address which is apparently on the letters is not an address that I ever supplied to Equifax, nor did I ever have an account with Equifax before today. 

Upon setting up an Equifax account today, the address to which the letters were reportedly sent is not listed. The letters are being sent without my consent or knowledge and I have no idea what is contained in the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my report. 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 explanation
Consumer complaint received 2022-11-19
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Bill From XXXX XXXX XXXX Penn Credit Corp placed a collection on my credit that needs to be disputed. I have paid all of my XXXX obligations and have no existing obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: In progress
Consumer complaint received 2023-02-10
Company: NCB Management Services 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:
I got my car through a XXXX XXXX on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through NCB Management services with the Original credit name of XXXX XXXX XXXX XXXX ). XXXX was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a used XXXX XXXX and I got a loan with Wells Fargo. I was told they have overcharged me in interest rate.

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 2022-11-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good evening I hope you're well! I called the company and spoke to them for about an hour they suggested I to send an FTC report which I did. This happened on XXXX/XXXX/22. I am waiting for a response to see what can be done.

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 2019-10-18
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/2019 First time I tried to call this company that has negatively impacted my credit it appears since XX/XX/2019. 

I contacted this company via telephone to get some understanding or dispute it if possible and I was connected eventually to a person named XXXX I was told. Her real name despite asking and even speaking to someone under her named XXXX lied and told me it was XXXX not XXXX or even XXXX - unsure of who is in charge at the place affecting my credit negatively upon first call ever. You can probably see based on what I have just said how this doesn't sound good. Never the less I was told she doesn't have a supervisor and later that the supervisor she doesn't have doesn't take calls from the floor. I asked for that persons name over and over and was refused to be given an answer - the person that lied about how her named was spelled numerous times and clarified if this was the full spelling and accurate spelling and lied over and over is named XXXX - some guy apparently after trying to get the owners name of the company since the person in charge is just hanging up on me and her employees under her just lie about who you are speaking to this has gone absolutely no where. I can not believe people could act so immaturely after calling about something this serious. I have since filed complaints everywhere possible except the County today and I will be mailing off my complaint to them tomorrow. There is no excuse for people acting this way and not being able to get information when calling about something that has this much of an impact on someones life. They clearly feel they can say or do whatever they want with no reprocussion. I feel bad for anyone that has a substantial amount owed from these people. I have since reached back to the DR office that initially reported this and explained what happened when calling them for the first time and am supposed to get a call back by end of business today about what they can possible due regarding the account at hand and the non sense mentioned taking place by these less than responsible people at PLUSFOUR inc in XXXX XXXX nv. Thank you

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 2017-05-23
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On numerous dates as recent as  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017  I 've submitted DISPUTE letters to Nationstar Mortgage, LLC regarding the amount they charged during my sale of the home at the closing through  XXXX   XXXX   XXXX  ; in the amount of {$10000.00} for Escrow Advances.     I was forced to pay above amount on  XXXX   XXXX ,    2017  or be in  " Breach of Contract '' with the Buyer of our home .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XX/XX/XXXX  and  XX/XX/XXXX  I sent Dispute letters re : {$2200.00} to Nationstar Mortgage, LLC. The amount disputed, p er N. Star on my   Payoff Quote, was  for interest calculated from  XX/XX/XXXX  to  XX/XX/XXXX . I provided them with " Proof of Payments '' from my bank for period of time Nationstar claims they did not receive Interest.     On  XX/XX/XXXX  I was under contract to close the sale and was forced to pay {$2200.00} to Nationstar or I faced breach of contract, with my buyer by not closing on time.     I requested in said letter, tha t Nationstar Refund the  interest charged incorrectly or provide me with Proof and Payment History, that they were correct in charging the above amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo advertised a promotion online to receive a {$320.00} bonus during the months of XXXX and XXXX. 
The promotion was advertised to follow a link online and all prompts during opening add {$25.00} and receive qualifying direct deposits and there were no other necessary steps as it was automatically applied by going through specific link. 
After my 90 day period I did not receive my bonus I called to see the status of this bonus and I was informed there was not one available to me and there is no promotion that could be found during that time. I was misled with false advertising and assurance. 
There were no other qualifications disclosed on the website.

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 2022-11-26
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: Old information reappears or never goes away

Complaint:
I have tried so many things to get things that are not accurate on my credit report with XXXX, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XX/XX/XXXX. I have even called XXXX and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX  XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX is on there two times as well. 
It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX - I have never even heard of it until I XXXX  and I don't even live near there at all. It needs to be removed as well Transunion is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XX/XX/XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.

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 2019-10-18
Company: Atlanticus Services Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit card statement from Fortiva dated XX/XX/2019. I write a note to them saying I do not have a credit card account with Fortiva. Stop billing me. They continued to send statements. Fortiva sent a collection notice dated XX/XX/2019. I prepared a Fraudulent Application Affidavit on XX/XX/2019 and faxed the document to them on XX/XX/2019. Fortiva sent the account to XXXX/ATLS/FORTIVA MC Account XXXX and they continue to collect on a credit card debt that I never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to 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 of XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/20XXXX 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