BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: AZ
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:
Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the report.XXXX XXXX  created the report.Notice, it is a fact, XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked for an itemized bill and no information matches whats on my credit profile. Company is no longer responding.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, TX 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 2022-01-31
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Last several months, I have sent in complaints because you are not removing this false bankruptcy. You can not report false information about me, especially when you can not provide any documentation to support this false bankrtupcy record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notification on Wednesday XX/XX/2023 that a direct deposit was available in my Wells Fargo checking account from my employer. Online banking showed the deposit and showed the funds available as late as XX/XX/2023. On XX/XX/2023 I received a notice that my account balance had dropped below {$0.00} and I had 24 hours to add funds to avoid overdraft fees. Upon checking my account online, I found that the deposit was not longer listed. I called Wells Fargo customer service and was advised of a system glitch and that my funds would be available soon. 

As of XXXX XXXX XXXX the deposit was listed as Pending but the funds were not available. At XXXX XXXX XXXX the deposit was once again not listed on my account. 

I visited a branch and was told their system shows the deposit as Pending but I still do not have access to the funds. 

As of this writing, online banking still does not show the deposit or show the funds available. 

I have an email and text message from XX/XX/2023 referencing the available deposit and screenshots from XX/XX/2023 showing the deposit pending at XXXX and missing at 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 2019-11-20
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/2019 date opened amount of {$1000.00} XXXX XXXX XXXX XXXX Account XXXX XX/XX/2019 date opened amount of {$2200.00} XXXX XXXX XXXX account number XXXX XX/XX/2019 date opened amount of {$810.00} XXXX XXXX XXXX account number XX/XX/2019 date opened amount of {$420.00} XXXX  XXXX XXXX account number XXXX XXXX XXXX date opened there are 2 balances one for {$590.00} and {$590.00} I never had a contract with the these companies. I do not owe these companies. Does the existing companies have a contract with my signature on it. There is no signature or proof that I owe those companies. These companies have 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 2021-07-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I keep getting notices from Lakeview loan servicing XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. I have left them a number of voice mail messages and returned a number of pieces of mail that they keep sending to my address for a XXXX XXXX who lives at XXXX XXXX XXXX XXXX which is also XXXX XXXX. suspect that this is due to the realator making an error on the listing address of the house XXXX XXXX ended up buying at XXXX XXXX XXXX XXXX. 

I am concerned that these mortgage documents might be filed on my address incorrectly as my mortage is with XXXX XXXX and i have no idea who Lakeview is other then they don't answer the phone nor do they return phone calls

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 2020-10-04
Company: DSW Carolina, LLC d/b/a Resource Services
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an alert via my credit report monitoring services. I immediately called Resource Services to inquire as to the source of this account. Unfortunately, I did not get very far. I was told I had to pay the debt or face jail time. In XX/XX/2020 I sent a letter requesting the verification of the debt. What medical practice it was from, and my explanation that all of my debts had been paid on time. I never received a reply. I was able to determine what medical provider they were referring too after doing some research via their website and the South Carolina Secretary of State website to verify Resource Services establishment dates, legitimacy, etc. If the debt they are  referring to is indeed from XXXX XXXX XXXX ( again this is why consumers have the right to request validation ) I know for a fact all my balances were paid. On my last visit there I was informed they would be closing and I would need to seek a new family practitioner. So  obviously the first things that come to mind are obtaining my medical records for my new doctor, updating my address so they will be able to mail said records to me, and then paying any balances due. A few weeks later all of " XXXX XXXX '' news stations reported the practice had been forced to close due to insurance fraud. Still to this day I have not been able to retrieve my medical records. My doctor has tried as will more than once with no success. I received NO LETTERS OF A BALANCE DUE. Never, not once. I NEVER received anything from Resource Services informing me of a debt. I NEVER had the  opportunity to pay outstanding debt, if indeed it is accurate. This bill they are claiming I owe is less than {$100.00} dollars. This is a very small amount for me to pay, especially considering the negative impact it had on my credit score. This has caused personal damages as I was in the process of applying for my business working capital loan. This collection company has COMPLETELY disregarded the collection laws in the State of South Carolina. They have completely " stonewalled ''  any attempt of communication with me and have refused to show verification that the debt was NOT paid. You may have copies of many bills and I assure you that does not mean I did not pay them. I have written correspondences with our Secretary of State XXXX XXXX and our Attorney General XXXX XXXX resulting in my filling a complaint against Resource Services via the XXXX  and the South Carolina Department of Consumer Affairs. Lots of Forfeited entity Status. Just curious what legal structure are you operating under now? I  also cant find you in the XXXX XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BARCLAYS BANK DELAWARE
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:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX XXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.

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 2019-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving numerous phone calls from XXXX XXXX XXXX XXXX claiming to be the Litigation department for Capital One for a debt back to 2013 that is unpaid, threatening to garnish my wages, take me to court for an old debit I stopped paying to Capital One. Why isn't this on my credit report? They were trying to collect {$710.00}. What should I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: CO
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:
Experian shows that I have a high credit usage of 253 %. This is incorrect, I have two credit cards and neither are overdrawn. Experian has an old HELOC which is closed and now Im paying off included in my credit line. This is causing my credit usage to look over drawn. Ive called several times over the past two years, all they do is make a dispute and send it to my bank, but its not my bank who did the error so they close it. Ive called my bank and they said Experian needs to code it as a loan, not a credit card. I keep calling and telling Experian, but they wont help. XXXX and XXXX dont have this problem, and my score is XXXX points higher with them than Experian. This is terrible customer service!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
Around XX/XX/2017 some opened a credit card with Discover without my knowledge. I disputed the account and Discover refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and XXXX  and have received the same results, along with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'd like to report fraudulent practices that wells fargo mortgage agent, XXXX XXXX ( XXXX XXXX ), did with us. She told us to lock rate because it was low on a given day and promised us a rate and point level that she can get for us. So we gave her a go-ahead. However, when we got the agreement letter, the rate there was much higher than what XXXX XXXX promised us over the phone. She also promised us we will get a free -relock if the rate went lower which didn't happen either as it's against wells fargo 's firm policy to waive the relock fee.

She mis-led us by making up rate information and offering " sweetener '' that never existed in order to entice customer business. Among my other friends, quite a few of them had similar experience with her and her fraudulent behaviors have been dismissed by her branch manager consistently because she brings in revenue. It is clear that systematic fraudulent practices and misconducts have been happening at her branch for a long time. I am here to request an open investigation into the branch where XXXX XXXX belongs. 

Thank you for you attention. 

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 2020-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USAA has not taken action regarding a letter I sent them on XX/XX/2020. I have not gotten any confirmation from them regarding the matter and I am concerned. This matter is causing me a lot of stress sand XXXX. I don't know why I must spend so much time trying to fix the mistakes by USAA regarding this autoloan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation