BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
On XX/XX/XXXX, I made a phone call to the Experian regarding a dispute that came back as the company certified the the account was accurate. I asked how did the verify since I sent a certified validation letter to XXXX XXXX XXXX back in XXXX and they didn't response to me. The agent with the dispute department told me that they have 3 options to choose from and they responded that the account was accurate but doesn't have to send any supporting information/proof to them. 

I informed the agent that I had file a complaint with CFPB that shows that the dispute is still in progress so why are they showing that it was verified on the XX/XX/XXXX. The agent stated that she wasn't able to find anything that supports that I have a open compliant with CFPB and she would open another dispute. Each time I have tried to dispute the account with Experian it's has come back accurate or verified. I was told in XXXX, if I want the account to be validated, I need to reach out to the company that was reporting it. I did just that. I reached out to XXXX XXXX and asked them to send me the original contract and/or agreement bearing my signature as proof that this is my account. They didn't respond to me because they couldn't provide this information because I don't owe a debt to them and doesn't have a legally binding contact. 

I am very frustrated because Experian continues to violate the rights that I have been give by the FCRA and refuses to take any accountability their actions. I recently submitted a dispute regarding a Bankruptcy by certified mail and I confirmed that it was received by the company but the agent reported that there was no record of that as well. I have been dealing with both of these issues for months with Experian to no avail. 
This is not a issue that should be taken likely as negatively affected my ability to obtain credit and meet the needs of my family.

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 2018-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had an equity line of credit with Citizens Bank of Rhode Island. This line of credit expired last week XX/XX/18. On XX/XX/18 I received a letter telling me to pay a {$180.00} " discharge fee ''. They further went on and said that if I don't pay this fee they will not close my account AND they will not release the lien on my house, even though I have a XXXX balance and I owed them nothing. ( see attached letter ). 

I tried calling the " Customer Service '' number provided in this letter and its a joke. This number was strictly for making a payment. So I could not talk to a person regarding this situation. 

Furthermore, the " discharge fee '' was not listed in our contract. They just popped that one on me. That is highly unethical. Reading complaints against Ciltilzens Bank there has been the same issue with other customers so this is an ongoing issue. Are they targeting Seniors because Seniors are less inclined to dispute this charge? 

So, in essence, they did a paper version of " ransomware '' on me by trying to extort {$180.00} from me. At this point, I can not get another loan and I can not use my credit to get another loan. Like ransomware, I can not access and enjoy my intellectual property ( credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: IL
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 took out a medical cc from Wells Fargo that had a 20 month interest free promotion. I had three XXXX resulting in 2 promotion periods. I had been making more than the required minimum payments, expecting that the first promotion would be paid down first. The bank allocated part of my payments to the second promotion. Now at the end of the first promotion period I am required to pay 75 % of my outstanding balance. Which negates any benefits that I would have received from my second promotion balance. I have talked to Wells Fargo many times and escalated it to senior management, but their response is that is what the system does and they cant do anything about it. I feel the promotion was fraudulently presented in that the allocation of minimum payments was not adequately disclosed. 

I had to call Wells Fargo to get the amount due to avoid a penalty because it is not obvious on the statement.

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 2020-08-01
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.

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 2023-12-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX continues to play games in regards to my credit report, have sent them the documentation they required over XXXX times and they are not adhering to fair credit act laws at all. I'm attaching the documents requested again, with a copy of their request so when this is taken to the next level, there is clear understanding of the financial /economic and psychological harm they caused me for over 1 year now. 

I feel bad that such irresponsible people are even taken seriously enough to monitor credit files, what they've done and are doing is irresponsible and with the amount of times they've been notified makes what they are doing criminal and deliberate, as those who stole my information as XXXX is doing the same thing..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We live in XXXX CA, Our mortgage loan was transferred to SPS ( Select Portfolio Servicing Inc. ) in XX/XX/XXXX. They have continually and consistently raised our payment and the numbers never add up to the taxes and insurance going up which has happened. They label this the Annual Escrow Account. When I call, which is every year, we go back and forth ( they have been trained on the same lines that are full of lies to block you ) and they mail me a bigger set of papers with the same lies. ( They attempt to make it confusing by making it complicated and thereby obfuscating the Truth, but numbers do not lie. ) Numbers for year XXXX : Insurance went from {$1200.00} to {$1400.00} Taxes went from {$4900.00} to {$5300.00} add that adds up and total {$580.00}. They said there was a shortage of {$2300.00} and they raised our payment by {$190.00}. How? They say from last year but last year they raised they payment too. And it didnt make sense. They finally allowed us to pay Taxes and insurance separately but first they are stealing {$1700.00} from our family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$170.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$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 non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: OH
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:
Since XX/XX/XXXX I've contact XXXX, equifax, and XXXX about someone stealing my credit card information when I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. I've talked to all XXXX credit services to no avail at least XXXX times a piece since XX/XX/XXXX and nothing on my credit report is changing. All they keep doing is having me do another dispute every 30 days which keeps coming back saying the information is valid. 

How is this information valid when I 1st mailed my XXXX papers thru certified mail that was receive on XX/XX/XXXX by all XXXX companies then they act like they didn't receive the certified mail so I uploaded my XXXX papers and faxed each company separately Which literally has done nothing. 

On my credit report it clearly shows all purchases and late activity happened at least 6 months to a year after I was XXXX 

With this document I'm resending my XXXX papers The XXXX account stating I owe {$9100.00} The account stating I owe XXXX XXXX {$7900.00} The account stating I owe XXXX XXXX {$7900.00} All should be erased from my credit report Furthermore, i've never even done business with XXXX XXXX XXXX purchased my account from XXXX / XXXX XXXX. Even though I never made these purchases however even if I did I never did business with XXXX XXXX  so that should never be on my credit report. 

This situation been way over 30 days in fact I've already had XXXX different disputes with all XXXX credit reporting companies and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have accounts on my report that I have disputed because they are being reported as closed AND written off. How can you report any account as written off yet still report as money owed. Also all they do with each account is update the date and nothing else. These accounts are not being looked into, just updated.

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 2022-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/2020 I called requesting to defer my payment as I work in the XXXX XXXX and due to Covid -19. I was not certain what will happen with my job. Wells Fargo approved my request while in the call. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Wells Fargo Bank, paid off my account in full and closed it. I had that account 3 years and never missed a payment. Please help me correct this unfortunate situation as Wells Fargo Bank is not being responsible for the lack in service to me as a 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX the collections account with XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this matter multiple time once in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. All times the account came back verified, how can it be verified when the information isnt accurate. Transunion show a date of first delinquency as XX/XX/XXXX but the original creditor XXXX XXXX confirmed the date of first delinquency as XX/XX/XXXX which means my account was re-aged and my rights were violated. Even if you go 180 days from that date you still dont get XX/XX/XXXX. So Im asking that the inaccurate account be deleted from 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 explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: OH
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:
I went to a presentation for a travel company in XXXX called XXXX XXXX. They took my financial information and opened a credit card in my name with XXXX XXXX  for {$10000.00} and immediately removed all the funds. XXXX XXXX  investigated and found it to be fraudulent and I was not responsible.Further, they sent a contract to a company which they own called XXXX XXXX XXXX and and demanded payment of {$32000.00}. I advised them that it was fraud and I was not paying them They attempted to collect from my XXXX credit card. XXXX blocked it. They then sent a report to the credit bureaus including Experian.I was able to contact XXXX XXXX and XXXX who placed a fraud alert on my credit report. XXXX Bank uses experian and put a negative report on my credit report. I contacted experian and they did nothing but keep the fraudulent report on my account. I attempted to contact experian but they made it impossible to correct my report and refused to remove the negative reporting.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: MD
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX  # 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 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.

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 2023-06-07
Company: Credit Glory LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Credit Glory charges a non refundable set up fee of {$170.00}, in addition to a required subscription for {$99.00} per month. Then, after you've already committed, they tell you an additional monthly subscription to XXXX XXXX for $ XXXX is required for them to be able to even perform services. 

1 month into services, I received letters from XXXX and XXXX that a 3rd party attempted to start a dispute on my behalf but failed to identify themselves as my authorized representative. Therefore, no action had been taken on my account. So by this time, I was already being billed for a second month of subscription services. Fortunately, I was able to push my billing date back with Credit Glory enough to be able to see their results, which was no further along since the bureaus blocked action on my account. Therefore, I was only charged the 1 month of subscription for {$99.00} for Credit Glory. I was still charged 2 months for XXXX XXXX  As I understand, they are a separate company. However, Credit Glory is the original entity that signed me up and and took payment for both Credit Glory and XXXX XXXX  services.

Company response to consumer: Closed with monetary relief