BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX  Balance {$24000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Well Fargo in XXXX  and ask for a loan modification and didnt realize XXXX. My home went into foreclosure. XXXX checking to see if I was XXXX of Wells Fargo customers who gets a settlement. My address have change I now live in Virginia. My new address is XXXX XXXX XXXX XXXX XXXX Virginia XXXX. My phone number is 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 2017-02-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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:
When I applied for a loan I was told by the lender my credit score from Experian was XXXX however when I called Experian I was told my credit score was XXXX. I was denied the loan and Experian was unable to provide an explanation as to the difference or how I could even correct it. XXXX and XXXX  both had my credit score over 800. I was aware of only 3 collections and all three were medical and under {$100.00}. I am XXXX and have never been delinquent on any loan. If a credit reporting company is going to provide a service like this then they need to be consistent and disclose to the public how different risk models work,

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 2023-01-20
Company: Experian Information Solutions 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:
This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent inquiries and for not taking corrections on my credit report and I have attached the letter with the list of inquiries on it with the identity theft number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter dated XX/XX/2023. As I checked my credit report these unauthorized hard inquiries and fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2021-06-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted the mortgage company concerning my balance. They sent me a hard copy of payments and balance. I disagreed and asked questions, where I was told to hold on so that they could transfer me to different people. My husband an I purchased this home, XX/XX/1997. We did refinance 3 times and we also filed for bankruptcy. During that period of bankruptcy, we continued to make our monthly payments and we have never been late on our payment even until now. While reading my credit report, I see that we have a balance of more than XXXX. When we purchased our first and only home, the home coated, XXXX. This is our 24th year in our home and have made regular payments every month. We now owe more on our home than what it is worth, and to factor in that we never missed a payment throughout the process of home ownership, except during the time of going through the refinancing process. Our dream is to own our home as we have entered into our senior age. At this age and time we will never own our home and after all the sacrifice we've put into this home, it will never belong to me and my husband. My husband and myself are now XXXX but we still continue to be responsible and manage our everyday living. We would love for someone to look into this matter. Please feel free to contact us, ( if needed ) for additional information. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IN
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 been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you immediately remove the disputed items off of my Credit File.

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 2018-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX  ... .XX/XX/2016 XXXX XXXX XXXX  ... ... XX/XX/2016 I never applied for any XXXX XXXX cards at any of my old addresses .... 
I had just a car loan from XXXX  XXXX ... .and never missed a payment. 
I have 2 XXXX  XXXX cards at this moment in good standing and just received a credit line increase.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. Trans Union continues to report a " XXXX XXXX '' account despite it clearly being fraudulent.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have to drive across town to the only Chase ATM. I've gone there and sometimes that one ATM is out of order. This has happened at least eight times since I switched to Chase a year ago. Sometimes there's a line that is wrapped around the building. I waited in line for over 30 minutes only to get to the ATM and my debit card got stuck inside and I was lucky enough to be able to retrieve it before I left. And I left without depositing or withdrawing money because the ATM was out of order. This is an issue because my local Chase Bank is 35 miles away and I have to call chase to despute fees. It shouldn't be my responsibility to call chase to let them know their machine is down. And there should be a easier way to report it to chase at the ATM or on the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that XXXX XXXX XXXX XXXX unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: NFM, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted NFM mortgage on XX/XX/XXXX regarding an error with the property taxes on an annual escrow analysis. The mortgage servicer representative was unable to explain on how an annual property figure of {$5400.00} was obtained? The mortgage was closed on XX/XX/XXXX with the XXXX annual taxes of {$4000.00} from the XXXX property tax bill. The representative was unable to explain why NFM mortgage did not research and obtain the XXXX property tax bill from the XXXX county property assessor for the annual escrow analysis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
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: Investigation took more than 30 days

Complaint:
I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, Equifax, and XXXX. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX Equifax received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with Equifax on XXXX they confirmed they removed the account confirmation # XXXX. I called Equifax on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why Equifax is still reporting false information on my credit report. XXXX is also claiming they never received anything. I also sent XXXXXXXX XXXX  a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX  Account, XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I was solicited by a XXXX XXXX Representative at a XXXX location for a quote for internet, phone, and TV services. I explained I did not want services as I had just moved in the home and would quote competitors. I provided my name and phone number only. This " gentleman '' went on to use a FAKE / FRAUDULENT SS # as well as setup an installation for that following week. I came home to an installed service that I never once asked for. 

Upon calling XXXX XXXX support, they had a hard time verifying my information beyond my name because of the fake information input, including SS, email, and pin. This is reflected in the notes of XXXX. ( I just spoke with them. ) XXXX XXXX agreed to remove all liability on my account {$100.00} once their equipment was returned. I returned their equipment as confirmed by the representative ( XXXX ) i just spoke with. 

I am unsure why Convergent has this 'debt ' since not only do I not owe it, but the contract was null and void the day the service began. I was paying month to month, and fell behind only when the services they promo 'd me for my 'inconvenience ' were not removed ( XXXX/TV ) and I was billed for them. According to the representative there is extensive notes from the beginning explaining all of this. My account with them was settled completely as of the date of Convergent purchasing my debt for less than {$10.00}. ( XX/XX/2018 ) - More than a year and a half after closing that account in good standing.

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 2021-06-30
Company: National Credit Systems,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:
I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.

Company response to consumer: Closed with explanation