BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IN
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:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}

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 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections, hard inquiries, and personal information. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/2022 I closed an account with Wellsfargo and was provided a cashier 's check for {$24000.00}. I mailed this check to our financial management company the same day but they never received it. On XX/XX/XXXX, I met with the branch manager for my local bank and requested a stop payment on the cashiers check which they did and a replacement check. 

I was told that I had two choices : 1 ) Wait until XXXX to get a new cashiers check for free or 2 ) pay over {$450.00} now to get a new cashiers check. 

My complaint is that this should not be the case. There are no real costs inflicted to the institution by my cancelling and requesting a new cashier check. A modest fee of perhaps {$20.00} would have been acceptable but not an amount around {$450.00}. So the bak is holding my money and profiting from such holding whicle this money, vital to me, is not accessible. 

Thank you for looking into this.

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 2021-04-18
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days. 

And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus. 

And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: NC
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:
There is a Citi Bank Costco Card XXXX on my Credit Report that does not belong to me. I have been working on this since XX/XX/XXXX. I did receive a letter dated XX/XX/XXXX that this card would be removed from my Credit Report. I check XXXX Report on XX/XX/XXXX and it is still on my Credit Report. Please can some one help me this is keeping me from doing a Refinance on my Mortgage. Thanks 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 2020-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX & XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 2022-03-09
Company: EQUIFAX, INC.
State: VA
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:
I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called Equifax and XXXX on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation - Violations of FCRA Section 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to reiterate my deep concern and dissatisfaction with Experian 's handling of my credit report dispute, Case # [ XXXX } and to provide further evidence of non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). 

As previously communicated, I submitted an initial complaint to the Federal Trade Commission ( FTC ) outlining the issues with my credit report. Furthermore, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and this complaint was duly verified with CFPB Complaint Number : XXXX. 

These actions should serve as irrefutable evidence of the seriousness of the inaccuracies in my credit report and Experian 's continued negligence in addressing them. Both the FTC and CFPB complaints underscore my ongoing efforts to rectify these issues, which have persisted for over a year. 

I hereby demand that Experian conducts a comprehensive investigation into this matter, utilizing the information provided in both the FTC and CFPB complaints as reference points for your inquiry. The blatant violations of FCRA Section 611 ( a ) ( 1 ) ( A ), as outlined in my previous correspondence, must be addressed immediately. 

I expect Experian to take swift and decisive action to resolve this dispute and to communicate the results of your investigation to me within 30 days from the receipt of this letter. 

Failure to address these concerns adequately will leave me with no choice but to pursue legal remedies and seek damages for the continued violations of my rights under the FCRA. 

I urge Experian to treat this matter with the urgency and gravity it deserves. Timely resolution and adherence to the law are the only acceptable outcomes in this situation. 

Sincerely, XXXX [ Enclosures : Copies of FTC and CFPB complaints, proof of delivery ]

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 2018-10-26
Company: Experian Information Solutions 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:
XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX I had opened an account through my XXXX office with XXXX XXXX in XX/XX/XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XX/XX/XXXX XXXX posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what XXXX meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XX/XX/XXXX. 

Unfortunately, after paying for credit monitering with Experian, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and XXXX XXXX, whose rep 's have been extremly rude, and Experian, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
we need to update all three credit files at Transunion and XXXX and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not 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 non-monetary relief