BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: WA
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 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 2022-03-24
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented apartment at XXXX XXXXXXXX XXXX  and my application was approved with {$1000.00} deposit in month of XXXX XXXX after i moved in month of XX/XX/2021, while staying with family in 2 Bed/2 Bath apartment i received lease violation notice after 2 months mention that my wife also living with me and i did not add her as tenant. I mentioned them about there was no place to add while doing application online. 

i was told it's an easy fix, all they need is name, SSN and D.O.B plus {$75.00} for applicating fees. 2 days later they ran my credit instead of my wife and i was told that now i have to pay additional {$1000.00} top of existing deposit. when i revised my lease no where it says each individual has to pay {$1000.00} deposit. when i mentioned them they forced me to sign addendum addition to my lease.

so i denied and i was told that either i have to sign or i have to vacate their apartment.

so i decided to Vacated my apartment. after vacate my apartment they keep {$1000.00} deposit plus they asked me to pay additional {$3100.00} 2 months rent since i am breaking their lease.

After they sent me certified copy i object that amount and submit complain to XXXX XXXX XXXX but 2 months later i received a notice mentioning this business are not in their file. 

After that they sold this balance to Collection agency Hunter Warfield, i started receiving call so i contact an attorney in Florida and after examine my case they took my case. they notify collection agency not to report to credit bureau and if they do they can report as disputed amount. 

even though they have been notified they kept calling me and they reported to Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX/ which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MI
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:
Wrong information and addresses and closed accounts and wrong accounts.

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: 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
TD Bank is lying about a charge. 

I noticed a {$3.00} charge on XX/XX/XXXX from TD Bank that I didn't recognize on my XXXX XXXX account. As TD Bank refused to tell me what the charge was for, I submitted a dispute with XXXX XXXX. I also filed a complaint against TD Bank # XXXX. 

TD is lying - they claim that the charge is a recurring transaction on my credit card that I authorized on XX/XX/XXXX. However, I never authorized such charge. And there have been no other XXXX payments to TD Bank since then. 

They also claim that the amount in question was on XXXX when in fact the transaction per my XXXX XXXX statement was on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these accounts distress my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you be responsive and DELETE these items that caused me so much trauma. 

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 2022-03-24
Company: EQUIFAX, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX WAS THE ORIGINAL DEBT AND WAS PAID SHORTLY AFTER WE RELOCATED IN THE AMOUNT OF {$560.00} ON OR ABOUT XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion has continued violation of the Fair Credit Reporting Act regarding the refusal to properly VALIDATE information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not validated immediately. 15 U.S. Code 1681i also claims unverified information must be promptly deleted. In the dispute results, all I've received back is information that is being reported on my credit file and a few slight modifications. No proof of validation or original documentation. 

I've also sent in complaints in XX/XX/2023 through the CFPB and XXXX ( 90 days ago ) and then sent in multiple written letters explaining the situation and the fact that several accounts were reported inaccurately. I have yet to receive any proper response or validation for these accounts. Somehow the information reported/modified is still not matching up with whats reported on other CRA 's XXXX There is no actual proof of validation as I requested in my written letters and as I am entitled to by law, which I went into great detail explaining what my rights exactly were and that I would fully pursue litigation. I will go through the FTC next, and I wont give up until I get proper legal responses and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$9300.00} 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-VISA XXXX DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  SC XXXX. HAS AN ACCOUNT THAT HAS BEEN ON MY CREDIT ACCOUNT SINCE XX/XX/2016 IN THE AMOUNT OF {$1400.00}. I HAVE DISPUTED THIS AND IT YET REMAINS UNINVESTIGATED AND UNCHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : EQUIFAX 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 2023-06-05
Company: 21ST MORTGAGE CORP.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I purchased a XXXX Manufactured home at the end of XXXX. It was financed by the only company that would finance a home before it was built. The interest was high at 6 % and payments were really not what we expected. {$1500.00} a month. We were thinking just to get through until we could do a refinance with someone else. They already had {$35000.00} down, ask for another {$10000.00}. We had an exhaustive full year of not being accepted for refinance. We hung on as long as we could. This was during Covid. Prices were incredibly high. We did not foresee this. XXXX was 1st to attempt the refi, then XXXX, then XXXX. All shot down for various reasons. Would go into detail later if need to. We borrowed money from a sister to see us to end of XXXX. Had to finally file XXXX XXXX bankruptcy with XXXX XXXX office. My husband was not doing well. Impact was too much. My husband died XX/XX/XXXX. 21st mortgage had been sending letters, 8, of them. 4 certified. they are non-monetary notices of default. their intent is to foreclose unless I sign an reaffirmation agreement with them. 21st gave me 3 choices. Pay the full amount, walk away vacate the property or sign the reaffirmation. I had been advised not to by my bankruptcy attorney. My husband had even ask 21st about loan modification or assistance and they were matter of fact rude and said nothing was available for us. I am at a complete loss. I do not want to leave this home. I would like to stay and find a solution acceptable that will not jeopardize me in the future. I want to pay my mortgage, just need to extend the years? lower the payments? decrease the interest/ something. Please help me. Thank you!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SUNRISE CREDIT SERVICES, INC
State: HI
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:
I have never received any documentation from the company or from the collection company letting me know they were attempting to collect a debt. 

My first contact with the collection company was on XX/XX/XXXX when I seen they attempted to collect a debt from XXXXXXXX XXXX XXXX  XXXX Has never made an attempt to contact me nor has sunrise 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 2021-07-01
Company: Atlanticus Services Corporation
State: AR
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 account is being reported as 30 days late from XXXX in XXXX from a bank error. This issue was raised back in XXXX when the inaccurate data first showed up on my report and was corrected. Recently the account has been reported 30 days late from that same time in XXXX of XXXX. I call to correct this error and it is temporarily corrected until the next statement cycle occurs. 

The previous CFPB Case number : XXXX Company Response : Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. On XX/XX/XXXX, our records indicate that you spoke to MrXXXX XXXX regarding the concerns you were having related to the billing of account maintenance fees that caused your account to go past due. As a courtesy, Mr. XXXX advised that we have waived a late fee in the amount of {$10.00} and we have advised the credit bureaus to show your account as never past due. As a reminder, pursuant to the terms of your Cardholder Agreement, an account maintenance fee is billed to your Account each month as long as your Account is open, or you have an outstanding balance. Sincerely, XXXX XXXX On behalf of Fortiva Credit Card* *XXXX XXXX XXXX XXXX is the creditor of the Fortiva Credit Card account XXXX 

I also have attached a screenshot of my current credit reporting from FORTIVA and pulled my Tri-Bureau report from Q4 of XXXX to show the change that has occurred in the reporting. I have attached a letter from FORTIVA indicating the credit file is reporting no delinquencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation