BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : 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 2023-02-28
Company: EQUIFAX, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from you. You have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Case Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX, XXXX - XXXX XXXX of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
I hired XXXX XXXX XXXX XXXX to ghost my credit from XXXXXXXX XXXX while theyre lawyers worked to get myself and XXXX XXXX out of a fraudulent timeshare, and XXXX and XXXX both cooperated but Experian , even after speaking with them over the phone, refused to remove the XXXX XXXX account from our credit report. Ive submitted multiple disputes with information regarding the litigation and how the timeshare is to be removed. I just tried submitting another dispute but Experian is not allowing the dispute to go through - our lawyers were successful in removing the timeshare account from our names, so the account is no longer our responsibility. We have been relieved from past due/future payments and fees. I need Experian to accept this because we need to buy a house for our little one to live in soon, and I am sick of battling Experian. I already went through a year of battling the timeshare company for being lying, manipulative, fraudulent crooks. Please correct/remove this account from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : its also states a consumer report furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed in 2009 and I was denied a modification for my home in XXXX XXXX XXXX. But the house in XXXX  was approved for a modern. I am the same person with the same credit scores. In my opinion I was denied in XXXX because I had equity in the home. While the XXXX  house was under water. It cost me a fortune to get back up to date with all the fees and other costs

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 2023-03-10
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an Email and then a phone call from XXXX XXXX XXXX indicating that I owe {$890.00} for a XXXX XXXX XXXX account XXXX an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At XXXX point, I recall getting a notice regarding Indigo a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; XXXX XXXX XXXX. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This servicer has many improprieties in the handling of the escrow/impound account of my property taxes and insurance premiums. Additionally, they are conducting escrow analysis more than once a year and radically changing my payments due to errors in their ability to divide by four. They are currently trying to collect for an insurance premium for the whole building as if it were the premium for each unit. ( There are four loans because each unit has its own parcel number. ) Additionally, in flagrant disregard for Fair Debt Collection practices, they call without identifying that they are a debt collecting and are attempting to collect a debt. They also do not reveal they are recording their calls. ( Seems unlikely that they are not. ). I continue to send them the payments I made the first 9 months of this year of the loan. Today they called and I said I had mailed the payments and rather than thanking me and making a note that I had made the payments, they began to argue and harass me that there was no evidence of payment on their end. 

This is the third mortgage servicer that violates federal law and they don't care anymore than XXXX aka XXXX XXXX who has also been sued over and over. When is this goisng to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with Wells Fargo around XX/XX/XXXX. 
I missed a few mortgage payment. 
Sometime around XX/XX/XXXX Wells fargo started Foreclosure proceeding against my home. 
I paid approximately {$65000.00} into the loan that was originally {$200000.00}. 
The majority of the {$65000.00} paid into the loan went to fees and Penalties.

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 2019-03-26
Company: Associated Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019 trying to collect {$20000.00}. 

The FDCPA aka Fair Debt Collection Practices Act, I have every right to request validation of the debt you say I owe you. Associated Credit Services must supply physical proof that I am the person you are asking to pay this debt and that there is some sort of contractual obligation that is binding on me to pay this debt.

This is absolutely not a request for verification or proof of my mailing address, but a real request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

I am requesting for the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor  regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for Associated Credit Services , Inc. in case legal action becomes necessary. Your claim can not and will not be considered or accepted if any portion of the above is not completed and returned with copies of all requested documents. 

This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Finally, I demand that your company cease all phone calls and robo calls immediately. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CORELOGIC INC
State: MO
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 have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email saying that my phone number had been updated on my Capital One account. I forwarded the email to their Fraud department in accordance with their website. 

A few days later, I received a Capital One credit card in the mail which I did not apply for in any way. I called Capital One and told them the situation and asked that they immediately close the account. 

They finally agreed to close the account, but refused to tell me if any charges had been made so far. My fear was that the card info was being used for online purchases. Anyway, I don't know if charges have been made before I contacted them, or if I was sent this card as a deceptive practice performed by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2023-03-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened this card. I had been making payments online and experiencing issues logging into their website. 

My XXXX payment was a few days late and the card company called me multiple times without leaving messages throughout the day. I was upset at the incessant calls with no urgency to leave me a message so I shot off the payment online and a message to their customer care on XX/XX/2023. I titled the message Stop Calling me and put in the body of the email that they should try to ensure that their payment systems online were more dependable. I never indicated that this was a cease and desist and I never would have sent the message at all if I had known that the company would take the extreme measures that they have and actually place this irremovable mark on my account without even confirming with me that was what I asked for. 

As a result, the company will not allow me to use the credit and will not remove the hold. They are not accepting responsibility for the rash decision that their employee made in assuming that I would want my entire account turned off by what I titled a quick email. 

I acknowledge that I was upset and should have refrained from sending the communication but the response from Comenity is far more irrational that my own irritated response. In fact, they want me to close the account and reapply which will adversely affect my credit score. This is unacceptable to me.

Company response to consumer: Closed with non-monetary relief