BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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:
On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from XXXX collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.

PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2020-04-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MO
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:
I am writing to express my serious concern about the ongoing issue of fraudulent items on my credit report. Despite multiple attempts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper procedures for disputing fraudulent items and have submitted the required documentation to substantiate my claims. However, the fraudulent items persist on my credit report, negatively impacting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I XXXX open a Wellsfargo checking account back in 2010 or so. Almost every month for quite sometimes my checking account were getting overdraft fees almost most of all the time and because of that I found myself struggling financially. Recently I've apply for a Wellsfargo visa credit card and when making payments I've noticed my balance it gets higher instead lower balance and it's kind if confusing to read the statements, cause it really doesn't show you the previous balances to confirm if your current payment has lower the current balance. They Also charge to many overseas fees, is one issue I don't understand. Thanks

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 2023-04-22
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX in full. I then purchased that same day an insurance policy with Progressive Auto Insurance, which I also paid a full term of insurance in 1 full payment in the amount of {$5900.00}. My policy number was XXXX. Now its very important to know 2 very important things that have Progressive contradict their arguments about me owing any amount of money to them : 1 ) my policy went into effect on XX/XX/XXXX, XXXX XXXX, XXXX approximately a month after purchasing my new vehicle due to the dealership needing to ship it from California because I discovered the vehicle on Fords website and was willing to be patient enough to wait. 2 ) its not possible to owe progressive auto insurance or owe money for anything that includes progressive insurance because I have only had progressive insurance for the one aforementioned policy/period above in XXXX ( on my credit report it shows a complete different year of coverage in XXXX ). Which means that I didnt make only one payment for auto insurance in full satisfaction. I have concrete proof of everything that I explained to a T, because I will be attaching the all applicable documents of my policy declaration which corroborates everything that Im disputing directly disproves any monetary value owed to Progressive insurance. Despite me having to explain everything that I am explaining now for the 4th time & be denied by XXXX of the obvious mistake that is negatively impacting my credit score Im trying so hard to develop responsibly. It remains a heavy burden on growing my credit score effectively and progressive seemed to only care about me as a customer when money was involved. So now a collection company is involved Caine & Weiner harassing me and ruining my progress made with my credit score for the owed amount {$1400.00}, I have proof that I paid every XXXX in one single transaction. I demand justice and the right course of action be taken to remedy this situation please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I have been receiving calls from Specialized Loan servicing center. They have been calling me over my dads acct. I know its a mortgage because they disclosed some of his information on a acct I have no part of. My dad never gave them my number called them twice to tell them to remove my number XXXX company is rude and refuse to stop harassing me over a loan I do not owe

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 2020-04-01
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: Information belongs to someone else

Complaint:
FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-02-17
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have made various communication with Oportun representatives and they don't want to support me in scheduling a affordable monthly payments of {$70.00} until personal loan with a high interest over 50 % is paid off. 
They sent me a letter that loan account is in review for a lawsuit against me as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 
I can only pay {$70.00} @ month until loan is paid off. 
Oportun has reported Derogatory remarks and collections on my credit report with XXXX, XXXX and XXXX and has destroyed my credibility. 
Oportun will not accommodate me on my Lifetime XXXX Accommodations under Department of Justice XXXX XXXX Civil Rights Act and is threatening me and harrassment with collections calls and cell text at my cell XXXX. 
I can not pay {$150.00} @ month and no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Trans Union several times requesting them not to share my Transactions and experiences with third party companies. They keep saying that there information is validated. I have explained to them that I never ask them about validation. They keep violating my consumer rights. This illegal reporting has damaged my reputation. It has caused harm and to my family and financial damages. The are LEAGALLY OBLIGATED to remove such items from my consumer 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 2018-09-06
Company: LDF Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I supplied a cease and decease letter to XXXX of the Skytrail customer service after numerous contact with the company informing them I would be off work due to injury. They continued to contact me after the notice via phone, text, emails and numerous voicemails at my employment. The calls have started as of XX/XX/2018 3-4 times a day, the cease and decease letter was email to the company on XX/XX/18 and I received and email from the company acknowledging receipt and they also stated they would continue collection calls on XX/XX/18. Today XX/XX/18 I have received 2 more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Was not notified of investigation status or results

Complaint:
I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called XXXXarrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been XXXX  months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2023-04-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2023-01-07
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:
XXXX XXXX XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 XX/XX/2022 Im still Current Member with Attnt, Internet and Phone Line.Attnt stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This collection reporting to my report was once removed and the put back on my report without consent. 

Im aware that once removed by law the same account can not be reported as collection again account XXXX XXXX XXXX multiple accounts reporting to Experian

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 2018-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this 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