BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed a copy of my credit report. I was shocked to see that this was being reported as a charge-off/foreclosure. This is wholly inaccurate reporting. I became XXXX XXXX and was XXXX  and while I was fighting for my life, I had to fight to try to keep my home. Instead of letting my home go into foreclosure, I continued to push for a short sale and that finally closed in XX/XX/2021. The status is wrong. 

This has been hurting me significantly as I am in the process of buying a home for my family. Please remove this account due to it being inaccurate from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Resurgent Capital Services L.P.
State: CA
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:
Subject : Inaccuracies and Misreporting on LVNV FUNDING LLC Account I recently identified multiple inaccuracies and inconsistencies on a credit account reported by LVNV FUNDING LLC, managed by Resurgent Correspondence. The primary issues include : Ambiguous Account Status : The reported status " XXXX '' is unclear and non-standard. 
Mismatched Account Type : The account is categorized as " INSTALLMENT '' but detailed as " Debt Buyer, '' causing confusion. 
Date Inconsistencies : The provided Date Opened ( XX/XX/2020 ) post-dates the Date Last Active ( XX/XX/2020 ), which is contradictory. 
Unclear Payment History : The status " CO, '' indicating " Charged Off, '' is repetitive without proper context or validation.

Missing Details : Key information such as Monthly Payment, Payment Status Commentary, and Date of Last Payment are either absent or ambiguous. 
Incomplete Two-Year Payment History : The reported payment history is inconsistent and lacks comprehensive data. 

These discrepancies have potential adverse effects on my creditworthiness and present a misleading representation of my financial history. Despite multiple attempts to resolve these issues with Resurgent Correspondence, they remain unaddressed. I'm seeking the CFPB 's assistance in rectifying these inaccuracies and ensuring accurate and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion continues to ignore and deny my numerous requests for description of procedures used to verify two alleged XXXX accounts as accurate. There are multiple violations of my consumer right to have accurate reporting that is fair and equitable. On XX/XX/23 and XX/XX/23, requests were sent via certified postal service requesting evidence and documentation. The responses to my request did not address what was required. During my phone conversation XX/XX/23, XXXX sent my accounts for maintenance. I was told he saw two different files, and to wait to see if the maintenance would clear the issue with the account reporting. I have found evidence of more than two files with Transunion. I have also found discrepancies between Transunion and XXXX which confirms the inaccurate reporting. During my last conversation with Transunion, today XX/XX/23, I was told " we dont provide description of procedure. '' I read the Transunion document, " Should you wish to receive the above description of the procedures we used to investigate your dispute in a separate communications for you records, please contact Transunion. '' I was then told, " no, we wont send you a description. '' Per 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ), a notice that, if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted i connection with such information and the telephone number of such furnisher, if reasonably available.

Per 15 U.S. Code 1681 ( i ) ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in the paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description.

I would like to know what information was verified? Have I given these alleged accounts lawfully authorization to report my personal information? Where is the documentation? My right to privacy is also being violated. Both XXXX and XXXX have removed the fraudulent accounts. Transunion should do what is right by me as a consumer and remove the two alleged XXXX 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 2022-03-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo displayed unfair practices during the application process for a refinance. Wells Fargo wrongfully inflated my DTI ratio post application process without notification or correspondence, when I asked for an explanation they did not respond. Wells Fargo increased the locked interest rate from XXXX to XXXX during the post application process without informing me why. When I asked the loan officer he assured me I was guaranteed the lower interest rate I have documentation to prove this. Wells Fargo increased my DTI ratio without informing me and when I asked for a breakdown of the debt figures they refused to provide it to me, stating it was proprietary. They denied my mortgage refinance application on the basis of false information. When I asked for an investigation my issues and concerns that were raised werent addressed. FYI I am a XXXX person refinancing a property with equity in a predominately XXXX neighborhood. Evidence can be provided upon request.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX, XXXX XXXXXXXX ; Inquiry : XXXX XXXX Inquiry DateXXXX.

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 2023-04-28
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute several accounts listed on my credit report that were opened fraudulently and without my permission. These accounts were reported to the credit reporting agencies without my written consent, which I believe violates Section 623 ( a ) ( 1 ) ( C ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, the original furnisher of the information did not provide written consent for these accounts to be opened, which I believe violates Section 623 ( a ) ( 2 ) of the FCRA. 

The accounts in question are as follows : XXXX, {$280.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. i was shot robbed then placed in jail while these was open I am requesting that you immediately remove these accounts from my credit report. I am eager to resolve this matter, and I appreciate your attention to this issue. Please let me know the necessary steps I need to take to achieve resolution. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have used the XXXX credit card acct for almost 20 years and we have recd no distributions nor any response from the company. We only have {$2500.00} in the account and have no way to access the acct nor been able to contact anyone from the company. We have been dealing with this issue for over a year.

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 2023-09-06
Company: EQUIFAX, INC.
State: TN
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:
During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an official debt collection letter from " The CBE Group, Inc '' address XXXX XXXX  XXXX, XXXX, IA XXXX. It states that I owe {$45.00} for account # XXXX to a company named, " XXXX XXXX '' dated XX/XX/21. 
I have no knowledge of this debt or the named company. I have no intention to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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  ; Experian and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates 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
Consumer complaint received 2024-01-07
Company: MicroBilt / PRBC (formerly CL Verify)
State: MA
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 follow up on my previous notice sent on XXXX  days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information as a victim of identi ty theft ; SeeFraudulent Inquiry Summary in my letter attached.

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 2023-07-08
Company: EQUIFAX, INC.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on XXXX ], 0 months on XXXX, and Unknown on Equifax which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2022-03-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

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 2022-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I AM A SENIOR CITIZEN THAT HAS BEEN SCAMMED BY SEVERAL COMPANIES FROM XXXX TO XXXX. I HAVE PAID OVER {$17000.00} TO THESE TIME SHARE COMPANIES AND THEY HAVE DID NOTHING AT ALL. THEY WERE ALL MISLEADING AND I HAVE TRIED TO GET A REFUND FROM THEM AND MY CREDIT CARD. I HAVE BEEN UNSUCCEFUL. I HAVE ALL THE INFORMATION ON EVERY COMPANY THAT I HAVE PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone claiming to be from American Express continually calls my phone number, looking for someone named " XXXX ''. Apparently " XXXX '' owes money on a credit debt. I am not XXXX, and I have never had an American Express card before. Even after I told these people that I am not XXXX and there is no XXXX at my number, they continue to call daily. I block them but they use spoofed numbers over and over to try and trick me into answering. They get very nasty and threatening over the phone and I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony Bank unjustifiably and inaccurately closed three of my accounts as high risk of failure to pay. My credit report show 100 % on time payments. I have never been late and ALL three accounts were PAID IN FULL. I believe the issue is with the care credit account in which we charged {$5000.00} for a vet bill to help a cat. At the next billing cycle to bill pay paid in FULL, in fact we mistakenly paid them twice. They received {$10000.00}! When reported, we were refunded and then paid the {$5000.00} a third time to the account is PAID IN FULL. I do not want reported as high risk of failure to pay when they received more than owed, on time and in full

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 2019-06-21
Company: Upstart Holdings, Inc.
State: MA
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 began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( Upstart Network Inc. ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation