BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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:
I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to Experian from XXXX XXXX  in Tennessee. 

I never received anything from " XXXX XXXX  '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with Experian and they came back with a response that through their process and contacting XXXX XXXX, the bill is valid and will remain on my credit report.

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 2018-10-27
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:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company 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 2018-02-01
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX v. Nationstar ( Mr. Cooper ) See Case No.XXXX. XXXX illegally changed the UPB ; violated the terms of the PN and DOT, created and failed to correct flawed accounting, failed to produce the loan transfer dox, assignments etc. CFPB said in a phone call to me they really can't do anything and to get a lawyer. Maybe now, with the changes at the agency, some constructive resolution can be achieved. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: VA
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 received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX  XXXX # XXXX # XXXX # XXXXXXXX XXXX XXXX  acct # XXXX ( closed ) XXXX  XXXX XXXX XXXX ( in forbearance-good standing older loans transferred to this new student loan service company/ older XXXX XXXX acct was paid in full due to this consolidation with XXXX  ). 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.

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 2022-03-05
Company: EQUIFAX, INC.
State: NJ
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:
I recently applied for a mortgage and received a credit score information disclosure from my lender. According to the disclosure, the Equifax score was calculated using the " EQUIFAX/XXXX XXXXXXXX XXXX '' model. Equifax assigned me a score of XXXX ( on a scale of 334 - 818 ) and listed as one of the " Key Factors effecting the score '' the alleged presence of " TOO MANY CONSUMER FINANCE ACCOUNTS '' on my report. I have been in the market searching for a home for almost a year, and given the extended search period my lender has had to run my credit more than once. This is therefore at least the second time I've received a credit score information disclosure from my lender that references the same negative factor being reported by Equifax. No other credit bureau makes reference to any such factor. 

I have reached out to Equifax more than once in an effort to get an explanation for the aforementioned negative factor, as Equifax is clearly reporting it to creditors and citing it as something that is impacting my score ; however, Equifax has been unable to give me any answers. In response to my last request for information Equifax 's customer service department simply told me that there are no negative marks on my report, and the company sent me a copy of my credit report. But I had already retrieved a copy of my Equifax credit report beforehand, so I was well aware that there was nothing negative on it. What I did/do not understand is why Equifax continues to flag this alleged negative factor for creditors. To my knowledge, there are no " consumer finance accounts '' on my credit report. The risk factor cited by Equifax therefore does not exist and should not appear on any report issued to creditors. 

Unless Equifax can prove otherwise, the company may well be in violation of the FCRA. I am reporting this incident to the CFPB given that my attempts to resolve the issue with Equifax have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can 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 explanation
Consumer complaint received 2022-03-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore has failed to respond to my complaint ID XXXX, and now I am getting letters from the attorney about the foreclosure and about when I need to leave my home the attorney is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Michigan XXXX phone number is XXXX I do not have a email address but you may know of them already also says what I guess is the file number # XXXX the property is now called a XXXX XXXX XXXX. Also there was no 4 week advertising in the local paper which is law in Michigan to advertise the foreclosure for 4 weeks, here it is in the legal news also they were to inform us of the foreclosure and put a copy of the ad on our premises which they did none of also as described in the original complaint that the 180 covid 19 forbearance extension of the already in force original 180 day covid 19 forbearance was denied by the owner as that was stated in the letter of denial also on the latest billing and the one before that it said that we were in a loss mitigation program and on a repayment plan that is very deceptive as if I new this was legally going to be foreclosed my son was talking about moving back in and we could have tried to work something out but this was all done in silence and behind our backs and also deceptive saying we are in a loss mitigation program please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 1

5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section States : No consumer reporting agent 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 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2021-07-28
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When we had transferred our family wireless plan from XXXX XXXX XXXX to XXXX in XX/XX/XXXX, there were numerous issues that were encountered in transferring our lines of service over. One of these issues resulted in the line of service for XXXX erroneously being set up as a sub-account by XXXX on their system. I was told on several occasions that the issue had been resolved and the account had been consolidated with the primary account for all our other lines of service. Since I had enrolled in auto-pay, the primary account has always been paid on time and XXXX provided verbal confirmation that all charges would be billed and charged through this primary account. 

However, I recently discovered that although the sub-account was consolidated, the charges for a brief period of time in XX/XX/XXXX were never consolidated and billed through the primary account. Although this was entirely due to a XXXX processing error, XXXX sent these charges to a third-party collection agency in XX/XX/XXXX without my knowledge. And again, I was told on multiple occasions not to worry about the sub-account billing as everything had been consolidated under the primary account which was enrolled in auto-pay. 

As a result of this error, my XXXX XXXX has been adversely impacted. When I contacted XXXX 's billing representative on XX/XX/XXXX, I was also able to finally get resolution on several other charges to my account which were in error resulting in credits of {$64.00}. These credits were applied to my primary account since XXXX said they no longer have access to my sub-account. 

Per XXXX 's direction, I then contacted their third-party collection agency XXXX XXXX  XXXX to notify them of my conversation with XXXX and filed to file a separate billing dispute with them. However, after this conversation with them, I have not received any written confirmation of my dispute or confirmation that they have contacted XXXX. When I followed up with XXXX, they indicated that they have not been contacted by XXXX & XXXX and they can not correct my account information until that happens. Repeated attempts by me to contact XXXX & XXXX in writing have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2021-04-15
Company: RC Willey
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My account has been incorrectly billed against me and I have attempted to get this resolved. The matter was outsourced to XXXX XXXX XXXX  and advise them of the issue and trying to resolve this matter. The amount being billed was incorrect and should have been corrected. I am herby asking for correction to this matter due to the Fair Credit Reporting Act. They are attempting to steal from me by overcharging for the amount. XXXX XXXX XXXX was going to work this out and RC Willey has just requested the files back. The unethical behavior from them has caused problems as I will not agree to pay more for what I owe. When I spoke to the debt collector they advised me that they were working on a amount of XXXX and that I should get correspondence back. 
I have callled RC Willey and now they are demanding more. I herby challenge and request that all charges and payments be provided along with the merchant to stop harassing me with improper amounts being requested. 
The XXXX was pending a letter to be sent and now RC willey wants to change what was going to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe credit card debt to Chase. I have asked the company to quit calling me more then one time to the same number. I contacted them again on XX/XX/2021 and spoked to a XXXX ( Supervisor ). Chase is calling me from XXXX. They called my wifes 's number twice to the same number within 30. They called her at XXXX and again at XXXX. They have been doing this for several months. This is clearly a violation of FDCPA. I have told them on a number of occasion not to call me or my wife I even sent a letter in. They are charging me absurd fees and late charges of {$160.00} a month. I have had an XXXX XXXX and currently have the XXXX XXXX. I tried to resolve this debt for {$7000.00}. I owe {$13000.00}. However my brother passed away and I had to pay for funeral expenses. They keep on calling me twice a day to my wife 's number ( XXXX ) XXXX and my number XXXX. This is stressing me out and causing XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief