BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: MO
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 have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/2023 JEFFERSON CAPITAL WAS SENT A CERTIFIED DISPUTE LETTER IN REGARDS TO A DEBT OWED BY XXXX XXXX IN THE AMOUNT OF {$1600.00}. JEFFERSON CAPITAL HAS ILLEGALLY SUBMITTED A FALSE DEBT OWED TO THE CREDIT REPORTING AGENICES WITHOUT NOTIFYING ME OF THE DEBT IN QUESTION FIRST. IN THE LETTER SENT TO THEM ON XX/XX/2023 THEY WERE ASKED TO SEND VALIDATION OF THE DEBT SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT. AS OF XX/XX/2023 THEY HAVE FAILED TO RESPOND TO THE DISPUTE LETTER OR SHOW ME ANY EVIDENCE OF THIS DEBT BEFORE REPORTING IT TO CREDIT AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-08-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-03-28
Company: National Credit Adjusters, LLC
State: LA
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 paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. National Credit adjusters has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

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 explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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 explanation
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.

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 2023-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: SC
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 unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX XXXX, on XX/XX/2020, XXXX XXXX and WELLS FARGO DEALER S add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-01-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/XXXX my flood insurance policy expired and I did not get notifications/ or saw the notification from NewRez until the end of XX/XX/XXXX, letter was dated XX/XX/XXXX so NewRez , my mortgage company placed forced flood insurance for {$310.00} per month, which is 3x the amount. And the policy that was not paid was only {$570.00} for the year. I found out through the agent XXXX XXXX  XXXX XXXX XXXX that it had expired, and the bill was sent to XXXX XXXX XXXX, which is a place I refinanced back in XX/XX/XXXX. I never received anything from XXXX XXXX XXXX Next step I contacted bankers American insurance and they basically told me they cant go back and reinstate the policy that I need to contact my agent to rewrite the policy. I then contact the new Rez where there was documentation that back in XX/XX/XXXX an agent was contacted at XXXX XXXX XXXX XXXX, asking for them to send over the bill so it could be paid and that XXXX never got to them. My main concern here is that I dont feel like I should have to pay the extra in my escrow for the shortage due to the fact that a lot of people drop the ball and they didnt get paid and they place the forced insurance that is 3x times the amount my original policy instead of something more comparable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : starting with XXXX and ending in XXXX. The account is closed so I don't have access to the full account number. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, 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 2023-08-24
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

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 2023-08-24
Company: Experian Information Solutions Inc.
State: CT
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} 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 2023-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I had a debt with XXXX and the debt was sold to I.C Systems. The debt was in the amount of XXXX dollars. The gentleman I spoke with regarding the debt offered me a settlement of XXXX and assured me that they do pay to deletes. I kept notes of every payment made, recordings of all phone calls, and also every notice sent in the mail. My last payment with my account was on XX/XX/XXXX. The following week I called to make sure that my account was paid in full and the young lady assured me that it was paid in full and even sent me out a notice stating that it has been paid with a balance of XXXX. When I called today to see when the account would be deleted from my credit report, theyre stating that I now owe a balance of {$210.00} because XXXX has very strict payment arrangements. When I made my last payment with them on XX/XX/XXXX. I asked them if I still owed a balance then why wasnt the balance coming from my account because I had my account set up for automatic payments. She stated that no bank account info was on file. I thanked her and disconnected the call and told her that I would be filing a complaint because at this point theyre trying to get more money from me than what we agreed and I refuse to pay a XXXX more. If documentation is needed, I will provide it.

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 2017-05-10
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage did not pay our property taxes out of escrow on time. The bill was due on   XXXX   XXXX  . The taxes were delinquent as of  X/X/17   . On   XXXX   XXXX  , I notified them in writing of their error. It is now   XXXX   XXXX  , and we received another delinquent notice from  our county  treasurer office as well as additional late fees. We are worried their error will affect our good credit ratings. I followed up today, and the representative read me notes that they called  our county  clerk and were told there were no taxes due. I highly discourage anyone from using this company. I have had to spend over 4 hours in phone calls rectifying their mistake, and I still do n't have my property taxes paid.

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 2022-03-28
Company: ONLINE Information Services, Inc.
State: LA
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 paid my collection in full on XX/XX/XXXX with Online Information Services. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. XXXX XXXX XXXX  has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Affirm Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see the attached notice of arbitration & statement of claims, arbitration demand, and all exhibits. We are now in active litigation and will be assigned a case number soon. This is the official notice of arbitration and will also be mailing out another notice

Company response to consumer: Closed with explanation