BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had been hospitalized and fallen behind on payments, attempting to get it back on track I was trying to make multiple payments in a month, a payment was reversed on XX/XX/2023 for {$50.00} I am waiting for bank statement to be sure there was funds on that day, I tried to make another payment on XX/XX/2023 I know there was funds in my account for that but the payment was reversed, both times I was charged {$30.00} for returned fee, payment was made with debit card. On XX/XX/XXXX I made another payment for {$20.00} to cover what was due that month, I then called and asked for a credit of a late fee and was told until my account was current they can't do anything, that is why I made the {$20.00} payment to get the account current. The person I talked to on the XXXX told me the return fee could not be removed and that they would credit me a late fee of {$40.00}. On XX/XX/2023 I noticed anther late fee and that I was credited {$30.00} on a returned check fee. I called them and questioned this, and was told that the {$20.00} had been declined, looked at my bank account and the money was taking from my account so I asked what was going on, I was then told that it was received on the XX/XX/2023 and that made it late, I looked at my account and payment was posted on XX/XX/2023 and that they would reverse the late fee. I questioned why the other late fee was not reversed and that a return fee, that was supposedly non reversible, was reversed, and could not get an answer. These items made me question the reality of my payments being made. Shortly after that last phone call I recorded an email informing me that my fees will be going up, maintenance fees, late fees, and return fees. I was giving the option to cancel my card if I did not want to agree to these fees and so I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MN
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:
Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXX XXXX  XXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and have always lived in XXXX. I have never taken out a car loan even here in XXXX. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.

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 2023-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

- XXXX XXXX {$2500.00}

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 non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

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 2023-07-26
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the 3rd complaint regarding my mortgage servicer and their inaccurate credit reporting. Despite repeated assurances they continue to report me delinquent on my account to all 3 credit bureaus. Additionally, they are reporting different information to each bureau most of which is inaccurate. It is clear that this action is intentional as I've invested countless hours attempting to resolve it directly with their agents and supervisors yet it continues to occur. Additionally the servicer is attempting to circumvent regulations by removing XX/XX/90 day delinquencies but stating that the current payment status is XXXX days late. I have now been harmed financially directly by their actions and will be left with no choice but to pursue legal action as a result.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I called Wells Fargo every day to insure that they had received my covid forbearance package. Every day they said no, from XX/XX/XXXX to XX/XX/XXXX. They assured me over the phone with a different customer service representative each time that they are processing the forbearance and there is nothing to worry about. I called them for the last time on XX/XX/XXXX and they advised me to send in my monthly payment. I did that and 2 weeks later I received the check back along with a foreclosure notice to be active in 7 days. I had no option but to retain an attorney and file for chapter XXXX. I have owned my house for 24 years now and what they did was wrong, false information, denial for relief, etc.. Now a trustee has been taking {$2000.00} a month out of my paycheck and that is difficult giving the state of inflation. The struggle is real!

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MA
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 being negligent and is reporting a bankruptcy on my report that they are falsely claiming to have verified via XXXX XXXX. I have been in contact with XXXX XXXX various times over the past year, I also spoke with them today, and they have confirmed that NO BANKRUPTCY RECORD EXISTS ON MY CONSUMER FILE. I have submitted various disputes to Experian and in the most recent dispute # XXXX from XX/XX/2022 I have provided my XXXX XXXX report, which has no records of bankruptcy, and I have provided Experian a letter from XXXX XXXX, in which they state that no such report has been found on my consumer file. Nevertheless Experian responded today XX/XX/2022 via their online portal that the bankruptcy was verified. I have attached relevant documents as reference.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inquirer : CLARITY SERVICES A PART OF EXPERIAN ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX Number : Telephone Number Not Available Inquiry Date : XX/XX/2021 Name Provided : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX SSN/ID Provided : XXXX Email : No Information Found In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15-USC1681 I have the right to privacy. In 154USC1681 it states that a consumer reporting agency can not furnish an account without my written instructions. Also, under 15USC1666B a creditor may not treat a loan or credit card account under an open consumer credit plan as late for any purpose. I demand this to be immediately removed from all consumer reports that reflect my financial reputation.

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 2020-09-30
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent a bill for collection which had already been paid by insurance. I have called them multiple times to no avail. The 3 credit reporting agencies are still reporting the original billed amount ( {$280.00} ) dollars even though I have sent them the XXXX  from the insurance company that included the check # and the date they paid it. They simply will not remove it and state that this isn't sufficient evidence! 

original creditor : XXXX XXXX XXXX I am enclosing 2 screenshots which show the Explanation of Benefits and the amount the insurance company paid and the check number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: NV
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Closed with explanation
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Southwest Credit Systems, L.P.
State: IA
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:
1 ) The address provided to and reported by Southwest Credit Systems is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 2 ) XXXX does not operate in Iowa, where XXXX XXXX resides. 
3 ) Southwest Credit SystemsXXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/2018, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Southwest Credit Systems and XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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 information incorrect

Complaint:
One of the Credit Bureaus Experian continues to give me a difficult time after years of good credit history. I've complained regarding not having online access to my report. I've logged in and now can't dispute online. I get a message " Due to Security reasons we can not process your dispute online. '' I've contacted them on the phone and the representatives will continue to ask the same questions over and over and will tell me it will take up to 45 days to process disputes but results come back two-three days later with unchanged results. I'm an XXXX and it's difficult calling them during the week when I have a classroom full of students. I wanted to uploaded my student loan forgiveness documents and could not upload. This balance is paid in full. I was forgiven due to paying for loans for XXXX years most on schools that were closed. Experian sent congratulations letter, however, put balance back on report. Also, a company they are working with XXXX a third party debt collection agency has falsely reported {$620.00} on my reports with no documentation I requested and have since changed dates and the placed their name and along with original creditor 's name. I did not have an account with original creditor. The representative knew this information was added and yet tells me it will take up to 45 days to remove. It has now been several months and still there. Something has to be done. Experian continues to give me a difficult time. I've tried disputing an address that isn't mine. XXXX XXXX XXXX which is a home. I've always been in an apartment due to student loan debt being paid. I need these accounts removed and student loan balance shown as {$0.00}. I have documents from Dept of Education and XXXX but could not upload. The other Bureaus worked just fine and have updated. Experian report # XXXX shows latest updates and tells me to call 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