BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
Kindly remove this from my report immediately as my car and all stuff documents were stolen. Ive tried multiple times aswell as filed dispute so please remove it once and for all from ny report as I was before victim of identity theft XXXX XXXX  account {$890.00} Please remove this 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 explanation
Consumer complaint received 2020-06-04
Company: DISCOVER BANK
State: AZ
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:
Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-10-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I went to my local credit union to take out a personal loan to avoid interest on my Wells Fargo credit card. The interest was to begin on the XXXX of XXXX. We finalized the loan on the XXXX of XXXX and had the letter sent to Wells Fargo, which was to be there over night. The amount to Wells Fargo was {$3200.00}, to bring my account to a {$0.00} balance. 

I spoke with an associate at Wells Fargo on XX/XX/XXXX, who said that my letter was sent to the wrong building at Wells Fargo, and that in forwarding the letter with the personal loan check would not be deposited in time. Thus I am stuck with the remaining {$1500.00} in interest because of a problem on their behalf. 

I called back and spoke with a manager named XXXX, whom said a record didn't exist of me calling previously and the letter with my check was just late. Also he said they could take off {$300.00} of the interest, but since it was my fault I am stuck with the remainder. 

Because of a mistake they made, I am now stuck with a personal loan of {$3200.00}, and interest to Wells Fargo of {$1500.00}. This is unacceptable and no one at Wells Fargo wants to assist me.

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 2023-11-01
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My loan was transferred to a new Mortgage Servicer ( Roundpoint Mortgage Servicing LLC ) on XX/XX/XXXX and they re-analyzed my escrow and sent me a letter informing my monthly payment was increasing from {$1100.00} to {$1200.00} due to their new analysis. However, the old mortgage company ( XXXX ) had already did an " annual '' XXXX XXXX on XX/XX/XXXX and sent me the statement indicating what my monthly mortgage payment was going to be starting in XX/XX/XXXX to XX/XX/XXXX. The new servicer acknowledged having that escrow analysis from the old company & my payment was {$1100.00} with them up until XX/XX/XXXX which they changed the payment to {$1200.00}. I asked them why they're not honoring the " annual '' Escrow analysis that was done and was told they send it in for approval but nothing has changed after talking with them starting back in XX/XX/XXXX after getting their new analysis. Each time I talk with them they tell me they are submitting it for approval to honor the escrow analysis that was done by he old company and I asked them this last time why do I need to get approval when an " annual '' escrow analysis was already done projecting my payment of {$1100.00} until XX/XX/XXXX. I demanded that my payment be changed back to {$1100.00} but again after 3 calls over several months they only agreed to submit if for approval. I think it's against the law for them change my payment when I've already had an " annual '' escrow analysis done. I'm getting nowhere with Roundpoint Mortgage and I see there are a lot of XXXX complaints against them for this and lots of negative reviews from other consumers regarding these same issues with Escrow & Insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I just received my reinvestigation back from Equifax, they have stated that everything is 100 % complete and accurate. I would like to receive the description according to the 15 USC 1681i ( 7 ) The accounts listed below are not accurate. The open date and last payment date, and last date active, are not 100 % accurate.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ) 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am requesting that XXXX validate the debt on the Federal Perkins Loan by submitting a signed and dated contract between myself and XXXX University. As of today XXXX continues to provide falsified information and conspired with XXXX University in forging the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Someone, unknown opened credit cards and accounts in my name and abandoned them with outstanding balances. 

I have provided the credit reporting companies with correspondence from the Creditors ( ie XXXX XXXX, XXXX XXXX, etc ) that confirms the information in their files resulted from fraudulent activity and that the information should be removed from my records. 

Experian in particular continues to report information in my records that is attributable to the fraudulent activity. In addition they report derogatory information about my legitimate credit activity. A recent report to a potential lender stated " proportion of balances to credit limits is too high on bank revolving or other revolving accounts ''. In fact my legitimate accounts are {$0.00}. 

How can I force Experian to report accurately and if they do continue to report falsely how long until the information expires?

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Has violated continuously the 1970 FCRA. This is the law that has been violated : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Experian need to comply with the law Account : XXXX XXXX XXXX XXXX XXXX XXXX Is this Law it's very clear and until such law changes it is expected to be followed!

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 2022-03-17
Company: Experian Information Solutions 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:
Original XXXX XXXX OF XXXX XXXX, XXXX CREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the XXXX. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the XXXX because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,

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 2019-11-18
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:
XXXX, Equifax and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Companies are providing secondary information on my behalf without my permission. 

I want to opt out because I never opted in Ive Never given them permission to report on my behalf P.S. most of my information given from the third and second parties are Unverifiable. 

on top of that the amount of Inaccuracies in my report is outrageous and needs to be address immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX {$400.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2023-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
wells fargo has not satisfied my issues, why was the payment for my fathers home not sent to the house in foreclosure, after he passed I became trustee of his trust I had all authority to have the payments sent to me, instead you sent me a document saying I needed a court representitive to do this but you allowed his girlfriend to change the address to her home, I would like to see her court representive allowing her to do XXXX XXXX was not the original trustee as you claim and ndex filed notice of default with the court before they were named substitute trustee and I have proof. so that would make the forecloser null. you claimed that we were getting help through some program and it seems that it was after the forecloser. and you also claim that you had no corospondence with us in which I have proof that you did, you admitted yourself by showing how we supossedly weree being helped with a loan modification, so you lied about that, this is crazy you need to fix this no more lies

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 2022-03-17
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 status incorrect

Complaint:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/2021

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: AL
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 XXXX XXXX Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation