BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MO
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 was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX XXXX late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the three credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX XXXXXXXX XXXX  : {$4400.00} XXXX, XXXX XXXX XXXX  : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX BL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$4400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX I XXXX XXXX  : {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$470.00} XXXX XXXX XXXX : {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Nelson Cruz & Associates LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nelson Cruz & Associates, a collection agency continue to wrongly call " my number '' and leave messages for another person. They use in-state id 's when calling to confuse. A XXXX called on XX/XX/2022 at XXXX am. A XXXX called and left a message on XX/XX/2022 at XXXX pm. XXXX XXXX called and left a message on XX/XX/2022 at XXXX & XXXX pm. These were all calls for a " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 602 A Section 2 : it also states consumer reporting agencies can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the recent COVID19 impacts I reached out to Shellpoint/NewRez for assistance with my mortgage and was advised I was only able to be given a forbearance plan which would not help in my current situation. I asked for a deferment which would move the payments to the end of the loan and allow me to maintain the payments. I asked to speak to a Supervisor on the call and the agent refused to let me speak to a Supervisor. In our current environment this company has not provided the appropriate options to help consumers during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and Transunion which continue to state that the bankruptcy is verified and refuse to remove it

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 2022-04-12
Company: CBC Companies, Inc.
State: MS
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:
On XX/XX/2022 I contacted Innovis to ask to have a freeze put on the consumer report that they have in their records. Upon the representative answering the phone she asked me for my information to verify my information so that she may put a freeze on my account. I gave her my name, social security information and date of birth. 

A few seconds later she called me a name that i am disputing that is on my credit file that doesn't belong to me. I kindly repeated my name for her to put me on hold. She then comes back and ask me to verify more information so that she will be able to put the freeze on and to send me the copy of my report that they are sending out with false information on. She starts to asking me to name the credit cards i have and when i tell her she ask me are you sure you never had any more ... .I said you ask me to tell you XXXX credit card that i have and i gave you that, now your asking me for another and i gave you that... 

Why would i tell you i have a credit card and i dont have whatever it is your looking at in your records. She put 's me on hold and finally after about XXXX minutes on hold another lady comes on the phone and does the exact same thing ... .but this time she starts asking me about a address that is not even mine but was my grandmothers address. I never lived there, nor have i ever received any mail or nothing there. 

This is causing severe harm to my life and reputation for this company to be giving out false information on me and refusing to stop this by not putting a freeze on whatever the lies their sending out and letting me see what it is they have in their file so that i can dispute it. However, i dont wan na dispute anything... 

I want my file deleted from their records. They have no right to be invading my privacy and sending false information to companies and verifying the information with information that they are requesting from me. How can you be giving out consumer information on the consumer demanding information from the consumer... but making judgement 's on the consumer 's life and financial well being by saying if he's a good person or a bad person. 

These people are still going to be sending out false information on me even after i have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, 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:
Kindly eliminate this incorrect account from my credit report. I never provided permission for its creation or utilization. Enclosed are the documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I woke up this morning ( XX/XX/XXXX ) to see that a {$1000.00} withdrawal was made. I know I did not initiate this so I logged into my Wells Fargo App and saw there was a tele-transfer to some random account for XXXX. This transaction was posted yesterday on XX/XX/XXXX. It must have been after I looked in the morning since I always check all my bank accounts in the morning. I looked through every account I have with all institutions and found that I do not have an account ending in XXXX. ( I know this because the transaction was posted with XXXX ) and a reference number. I contacted Wells Fargo this morning and filed a claim for it. Since then they have suspended my online banking but I still have access to the physical bank, ATM, and my debit cards. I am filing a complaint here because I read that sometimes Wells Fargo and other large banks take an extended period of time and don't give my money back. I asked them to launch an investigation to find out how this happened. I received no email, no token, and no text to confirm that I was the one authorizing this transfer. Wells Fargo needs to step up their banking security.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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.

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 2024-01-09
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate 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 non-monetary relief
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX ( before my payment due date ) I called in to CitiBank to see if they had any available programs in reference to Coronavirus or COVID19. I was transferred around until I landed on an agent that supposedly could help. I explicitly stated that I could pay my regular bill at the time. I was simply calling in to see if they had any deferment programs so that i could save my cash to use for groceries and such. The agent said she understood and offered to defer my payments and cancel my autopay on both of my accounts. I gladly accepted. 

A few days later I received an email that I had missed a payment. I checked my app and was shown that both of my accounts were labelled as past due, with a late fee attached. I called in immediately to rectify the situation. The first agent I spoke with said that there was no program in place, that they had only received communication of possible programs upcoming, and so the previous representative had spoken in error. I requested a supervisor. Again was told that the initial representative was wrong and there was nothing they could do about it. At this point, I was unworried about the deferred payment but the late fee and the impact on my credit score for having 2 accounts showing a missed payment. I have no missed payments on my credit history. I was told by the supervisor that I shouldn't worry about it, a lot of people are going through things right now and they're sure it will all be handled, just give it time. 

On XX/XX/XXXX, the late fee on my Citi DoubleCash card was refunded. I noted on XX/XX/XXXX that the late fee was still showing on my Citi American Airline AAdvantage card. I called in at XXXX and after explaining the situation to the initial rep, was transferred to a supervisor. He told me that they would not remove the late fee and there was nothing he could do about it. I explained again, in detail, the situation that led to the late fee in the first place : That I had the funds to make the payments but was erroneously advised by a representative of CitiBank that my payments were deferred and so was under the false understanding that I did not have to make the payment. He still refused to remove the late fee. 

At this time I am requesting the removal of the late fee and the assurance that the ( 2 ) missed  payments will not show on my credit report as the late payment was due to professional negligence and false information provided by a Citi representative/employee, with me, as the consumer, relying on their expertise to guide my payment decision.

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 2023-09-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my report that I didnt authorize on XXXX XXXXXXXX XXXX XXXX  I dont authorize these hard hits when I called the company and asked them why I was told they was looking for where I worked I told them I dont authorize them to do so and they responded by saying they have the right I would like these 3 months of hard hits removed from my report thanks

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NC
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 is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}

Company response to consumer: Closed with explanation