BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I sent a promissory note for full value received to Planet Home Lending LLC.

According to UCC 3-104 a promissory note is a negotiable instrument.

According to UCC 3-603 if a tender of payment is NOT accepted then the debt is discharged for the full value of the tendered payment.

According to HJR 192 one can't deman a certain form of currency since any form and all forms of U.S. currency are the consumer 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Bristlecone, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I acquired a car loan from Wells Fargo Dealer Service onXX/XX/XXXX. When I received the car loan, I made all the payments in a timely manner but I noticed each month I was being charged additional fees. In XX/XX/XXXX, I called to find out why my payment was so high and so far behind. I could not get any information other than it had to do with my insurance. I continued calling on a regular basis to no avail until XX/XX/XXXX or XX/XX/XXXX due to the extremely rude and dismissive behavior from customer service on each call. I filed a complaint with the XXXX XXXX XXXX in XX/XX/XXXX. Wells Fargo Dealer Services onXX/XX/XXXX, explaining that they added insurance to my loan on XX/XX/XXXX. In their own letter, they admit to not sending any notices until XX/XX/XXXX, and XX/XX/XXXX. They had been charging me for insurance while I already had car insurance and before they sent notices asking for proof of insurance and not until after I was inquiring about the charges incurred. In XX/XX/XXXX my daughter was in a car accident and the vehicle was totaled. The insurance paid off the remaining balance of the original loan. However, Wells Fargo Dealers Services has put on my credit report that I still owe them {$950.00}. I continued making payments until the insurance paid off the loan. The charge of the {$950.00} comes from the insurance they added without my knowledge or permission. It was added erroneously. This is exactly like the illegal and unethical practices they have already been fined for.

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 2023-05-02
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:
I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXXXXXX partial account number ****XXXX-XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-02-06
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
These Accounts have been deleted from XXXX XXXX. Immediately delete and inform XXXX  and XXXX  to delete also. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX credit report dated XX/XX/XXXX and XXXX XXXX file 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 2023-02-11
Company: EQUIFAX, INC.
State: CA
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:
I disputed false information on my credit report in XXXX and I finally heard back from Equifax with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MD
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: BARCLAYS BANK DELAWARE
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles. 

I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit. 

I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX. 

The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX. 

Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB. 

Please respond to my letter in writing within 30 days. 


Sincerely, XXXX XXXX Email : 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 2023-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for

the Capital One Savor credit card. I received a mailer in US
Mail to my address at XXXX XXXX XXXX XXXX Fl XXXX that once I apply, and if I am approved, I would get {$150.00} bonus after spending {$500.00} on my card within 90 days. 

I liked the offers, so I followed the steps to apply for the card online. Shortly after I received the card and used it to spend {$500.00} with the hopes of getting the {$150.00} bonus. 

After a few months, the bonus had still not been applied so I contacted Capital one. they looked into it, and XXXX advised me that the fine print says that you may or may not receive that bonus, and unfortunately you did not get the bonus. I asked him to elaborate why? XXXX from capital one responded along the lines that although he is not sure why, the terms and conditions in the fine print state that the bonus may or may not be applied. 

I felt like we were going around in cirlces, so I asked him if there was anyone else who could tell me more, and he would essentially repeat the same thing again. It was a pointless conversation and I have yet to receive my {$150.00} bonus for spending the {$500.00} on the credit card as advertised. 

Had I not recieved that advertisement, I would not have applied for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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:
Experian has stated it gets information From XXXX. The only way I found that out was to ask for a supervisor. At first I was told they don't give out that information. How can one dispute any info on a credit report if they don't have the source to which Experian uses? 

I provided documentation showing that XXXX had removed a bankruptcy. They responded with " the company '' reports the information correct. I demand to know " WHAT COMPANY '' they are referring to, and provide me with that in writing from that company or remove the incorrect information from my credit report. If that's the case I can say " the company '' I reached out to removed the incorrect information. 

Experian is extremely secretive in regards to the fact they get information from XXXX. Doing a search only brings up Experian results. Then they tell you they only do disputes through mail. 

It very frustrating. This time I am clicking the check box below because I want others to be informed as to how they make it difficult to communicate with them when trying to have a bankruptcy removed. 

I contacted the court house and they do not give information to any credit bureau. I only want to be treated fairly.

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 2023-08-09
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-12
Company: EQUIFAX, INC.
State: NJ
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:
I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} 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 2020-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation