BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Staring XX/XX/2017 there was fraudulent activity not on my part my debit card & identity was stolen as a result of that I have not been able to open a bank account saving or checking account I didnt take action before but Im now doing anything I can to take matters into my own hands Early Warning Signs has made it to where no banks will allow me to have a bank account. I have detailed dates and amounts in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX  XXXX Balance Owed : {$44000.00}

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: UT
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:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: AL
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:
The account on my credit report with Westlake Portfolio is reporting incomplete information that I have disputed multiple times with Experian. The information is still not correct and the account is still on my credit report. The payment history is incomplete with missing payments. The account was opened in XX/XX/XXXX. However, there are no payments reported until XX/XX/XXXX, which is over a year from when the account was opened. There are also missing payments throughout the payment history. This is incomplete information and a violation of the Fair Credit Reporting act.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-09-17
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: Investigation took more than 30 days

Complaint:
Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.

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 2020-12-17
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX  ) on XX/XX/XXXX. Now dynamic recovery solution has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 items on my consumer report that are a result of an identity theft and not made by any transaction related to me. 
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 2021-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of
consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-12-02
Company: Aldous & Associates, PLLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous and Associates has been been trying to collect money from me and I never had any contract with this company or XXXXXXXX XXXX This is in violation of consumer laws article 15 section 16/11. and 15 USC 1671.4. I never ever new about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items ASAP.

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received an email from Valentine & Kerbartas, LLC, on XX/XX/2023, for someone else. This email included the person 's name, address, amount owed, creditor name, and account number. 

I am not the individual named in the email and I am concerned that they are sending me so much information relating to this person which is in violation of the debt collection related laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, The report on Bankruptcy is incorrect. The BK was not filed/Discharge and it was DISMISSED dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I would formally like to file a complaint against Wells Fargo. In 2020, during the early stages of COVID, I went through a furlough at my job. Due to me being out of work I contacted Wells Fargo in XX/XX/2020 to request a deferment on my MTG account, for 6 months. I was granted the 6-month deferral and immediately after those 6 months expired, I resumed making my payments as of XX/XX/2020. Once I resumed making my payments I reached out to Wells Fargo and advised them that I had resumed making my payments. I was told that until all paperwork was completed for the deferment period, payments could be made ; however, they would not be applied to my account accurately until all paperwork was finalized and updated due to the deferral request. I have continued to make my payments on time since XX/XX/2020 through this present day. I have continued to call Wells Fargo numerous times each month to ask how long it will take to get my account back to normal. I have been promised so many different dates that I have lost hope in my account ever being fixed. This is not only affecting my credit reporting but it is also preventing me from being able to refinance my current home and from also trying to buy a new home. It is so hard to believe or understand why it has been 4 months and counting and this issue still has not been resolved. I keep getting tossed around to different people and it seems no one knows what they are doing. I need for this issue to be resolved immediately.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 XXXX Account number XXXX has violated my rights.

15 U S C 1681 Section 602 A states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2019-10-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My complaint is with Experian Credit Bureau. I contacted the company by phone on XX/XX/2019 ( Wednesday ) to find out why my score dropped by 17 points then increased by 2 points within a 2 -3 days time period. First, I spoke with a lady who could not answer my question, so she transferred me to a Credit Specialist named XXXX. XXXX  told me that my score dropped due to a closed account with  XXXX XXXX/XXXX. I mentioned to him that the account was closed back in XXXX of 2019, which should not be affecting my account now. He put me on hold for over an hour and never replied back, so I hung up. The lady who transferred me said I could put in a dispute online and upload the proof, but the site said my connection was blocked. Also, XXXX said the closed account was recently reported as closed ( as in XXXX ), but this account has been closed since XXXX of 2019. This closure has popped up at a time when I am in the process of trying to move, coincidentally. If any documents are needed for proof upon receiving this complaint at a later time I will be happy to provide them. However, I noticed that Experian has removed this XXXX closed account off my report which was on there back in XXXX. I will post the scores and dates below. Another thing I would like to mention is that I have had my score dropped before with another agency by 100 points and was never given a reason as to why. Someone is messing around with my credit scores and I don't know who the culprit is. Also, I currently have a fraud alert on my credit, though there has not been any new activity on my report. Hope I can get this matter resolved because it is affecting my livelihood. One more thing I would like to mention, is that the customer service representatives are rude and arrogant. Thanks. 

Dates Scores XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 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 2021-11-06
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Name : LVNV FUNDING LLC Account Number : XXXX Balance : {$950.00} This letter is a formal complaint against LVNV FUNDING LLC, a collection agency located at XXXX XXXX XXXX XXXX SC XXXX .They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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