BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
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 to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a 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 TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 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 explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX. I called Wells Fargo Home Mortgage to help me with Loan Modification. I'm a XXXX  the market was collapsing. I sent all the information for 2 years. I got really XXXX. I had really XXXX XXXX  for 3 weeks, I XXXX XXXX. XX/XX/XXXX, I found XXXX XXXX Firm, I paid {$6500.00} they promised me to stay in my home and they will file a Mas Joinder Law suit against WFHM. XX/XX/XXXX they file a Lis Pendens. XX/XX/XXXX I received a acknowledgment from WFHM. XX/XX/XXXX XXXX voluntarily dismiss the Lis Pendens. XX/XX/XXXX WFHM FORECLOSED on my home. XX/XX/XXXX XXXX file a Mas Joinder Lawsuit. XX/XX/XXXX a letter from the Sheriff to VACATE.1XXXX a letter from WFHM under-review Loan Modification XX/XX/XXXX Declaration from XXXX XXXX XXXX securitization . XX/XX/XXXX received the Securitization Report from XXXX XXXX. XX/XX/XXXX I did a research and found the Note. XXXX My family and I got EVICTED. XXXX I received the NOTE from UNITED STATES OF AMERICA Securities and Exchange Commission. The NOTE can Not be sold and securitized no more than 3 months. WFM Backed Securities XXXX Trust with a Closing Date of XXXX XXXX. Violation of PSA Invalidates the ownership of the property to the foreclosing party. XXXX XXXX I'm still legally the owner.

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 2023-03-17
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a fraud alert on my credit reports saying I have a derogatory alert. I went to my credit report and it showed a collection from a company I never applied which caused my score to decrease by XXXX points. The date is XX/XX/2023 in the amount of {$310.00} that is when it was put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint is that Experian refuses to remove a derogatory address of XXXX XXXX XXXX, XXXX, MD from my credit report. I have never resided there, and I have never applied for any such benefits, etc. using that residence. I have tried to contact it using their internal communications dispute portal only for it to reply providing me with a results number # XXXX informing me that my result could not be provided through the portal, and that I must contact it at XXXX. Problem is, when I contacted it, I was greeted with an AI-Bot that gave me three options ; ( 1 ) to contact it on its website; ( 2 ) for it to provide me with its website address ; and/or ( 3 ) to repeat the instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to NewRez and the process has been TERRIBLE. They told me my autopay would transfer over and it did not, costing me late fees. Now I can not set up auto pay because my loan shows past due. I called newrez to set up the auto pay and they hung up on me. It took ELEVEN calls to them to get someone to talk to. Most of the time I call the phone number from their website and the line is SILENT. Now I have to jump through HOOPS just to get my loan back to what it was and when I call no one cares. Not allowing me to set up autopay is not fair. Saying my payment will transfer over and then charging me late fees is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive an average of 10-15 calls PER DAY often over and over again within a small time frame. I used my credit to start my business and have told them time and time again I am paying as soon as I get my taxes that Ive been falling behind due to XXXX striking me twice and being out of work. They are foul mouthed and loud and use obscene language. After I have blocked their number they will call continuously from a blocked number. Ive answered to confirm. 
Comenity Bank!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a notice saying Colorado law requires TransUnion to provide a copy of negative information impacting my consumer report. They do not have the right address listed which makes me question the information. I tried to call the XXXX number falsely advertised and once you enter 1 for English they say the service is not available I have tried to call the 800 number, do their online portal for help, contact XXXX and ask for a supervisor but no one responds. How am I as an average citizen supposed to protect my personal information and my credit when these companies make false claims and do not provide the necessary means for resolution? The agents claim to not have access to email and there is no corporate telephone number provided to speak to a live agent. This is a real concern!

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 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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:
Experian is reporting closed/ charged off accounts with a balance due. 
It is my understanding that if I receive a 1099 for a charged off account they should no longer report monthly payments as the account is closed and the balance due and should be changed to {$0.00}.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged way more then suppose to wells fargo

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 2023-03-17
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket. 

Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX  complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt. 

In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX. 

Attached is the summary letter Ally Bank states justifies the credit report ding.

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 2023-03-17
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: Account information incorrect

Complaint:
15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

This law has been broken and violated and the inaccurate information from XXXX XXXX XXXX XXXX account # ending in XXXX and XXXX  account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, Experian, and 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 2023-03-17
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: Problem with personal statement of dispute

Complaint:
THE CREDIT BEAURAS DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

!. ) XXXX XXXX  XXXX - FALSE LATE PAYMENTS ARE REPORTING : DATES : XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 REQUEST : PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX  XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED XXXX. ) XXXX XXXX XX/XX/2022, XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE XXXX. ) XXXX XXXX THIS ACCONT IS PAID TO XXXX AND CLOSED. 
XX/XX/2022 ; XX/XX/2022 ; XXXX XXXX  ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX  THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

UNAUTHRORIZED INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: OH
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:
I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
In Accordance with the fair Credit Reporting Act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports XXXX, Equifax and XXXX thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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 live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my XXXX Credit Report after discovering it when I applied for credit for a car loan. XXXX XXXX did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by XXXX as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.

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 2023-04-12
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. 


Personal information : Wrong name Variations ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX OTHER WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, MA XXXX,. My only correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXXXXXX XXXX XXXXXXXX XXXX # XXXX ( {$450.00} ), XXXX XXXX # XXXX ( {$370.00} ), XXXX XXXX XXXX # XXXX ( {$150.00} ), XXXX  # XXXX ( {$4900.00} ), XXXX XXXX XXXX XXXX  # XXXX ( {$390.00} ), XXXX XXXX XXXX # XXXX XXXX {$530.00} ), XXXX XXXX XXXXXXXX XXXX # XXXX ( {$910.00} ), XXXX XXXX # XXXX ( {$450.00} ), XXXX XXXX XXXX # XXXX ( {$450.00} ), XXXX # XXXX ( {$450.00} ), XXXX # XXXX ( {$210.00} ), XXXX XXXX XXXX ( {$500.00} ), 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.

Company response to consumer: Closed with explanation