BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NJ
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've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
Hello, On XX/XX/2020 i sent out dispute letters to Transunion and XXXX  disputing a few errors, but main issue is a XXXX car loan that is not mine. I never received a response back from either one of them in the mail showing me any verification proving that car loan belong to me. 

XXXX XXXX XXXX Account # XXXX the rest of the items on the letters we're also not verified and proven to be mine. 

i will attach proof of the letters sent out, received by the credit bureau 's and signed for by Transunion and XXXX. 

Can you please help me get this error off my credit file because it is hindering me financially. Thank you very much for your help and your time.

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 2023-06-06
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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

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 2021-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is the third time I've requested that you remove XXXX XXXX  account from my credit report. It has shown as a collection on my Bureau report since XXXX XXXX. It is now 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Random fees would be added for no reason Charges for over over draft even if I didnt over draft and even tho I had over draft protection it never worked Issuers never got resolved when going in

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 2023-11-01
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/2020, I informed Freedom Mortgage ( Freedom ) of an Annual Fee that should be included/paid out of my Escrow Account. This is an approximately {$750.00} annual fee for the water/sewage pipe that connects to the county pipeline. Failure to pay this fee subjects the property to liens. Section 3 of the Deed in XXXX governs the Funds for Escrow Items. This section clearly reflects : a sum ( the Funds_ to provide for payment of amounts due for ( a ) tax and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the property, ( b ) leasehold payments or ground rents on the Property, if any ; ( c ) premiums for any and all insurance required by Lender under Section 5 ; and ( d ) Mortgage Insurance premiums to be paid by XXXX XXXX XXXX XXXX or the monthly charge by the Secretary instead of the monthly Mortgage Insurance Premiums. These items are called Escrow Items. This expressed language in the Deed of Trust clearly includes this annual fee. 

XXXX consistently fails to include this annual fee in my escrow analysis and to timely pay this annual fee claiming it is a utility bill or ground rent. I consistently explained to XXXX this is not a utility bill, tax bill, or ground rent because water and sewage is paid to XXXX monthly and taxes are paid semi-annually to XXXX XXXX XXXX. After going back and forth with XXXX, it eventually paid the fee after it had accrued late fees as well as collection fees. Freedom employees have claimed that they will note my account to have the escrow analysis updated to include this fee. However, the recent analysis fails to reflect this adjustment just like the previous years! I also requested XXXX employees send me the written determinations concerning this issue. To date, I have not received any written communication why XXXX refuses to timely make these payments or to include them in the escrow analysis. I believe that XXXX is engaged in negligent servicing of my loan that is in violation of 12 CFR 1024.17 ( c ) ( 4 ) that has caused damages, including a consistently deficient escrow account and increased fees due to collection fees, late fees, and interest. 

It is important to note that XXXX makes it difficult for borrowers to address these issues by ending its customer service email account and directing borrowers to fax in documents for their accounts. Furthermore, XXXX fails to respond to any requests to provide documentation of its alleged determinations that this fee should not be paid out of the escrow account. This is my last attempt to address this matter before I have to legal action against XXXX for negligent servicing.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 am presenting this follow-up complaint concerning the Experian and XXXX Credit Bureaus , in collaboration with the CFPB 's assistance. I previously informed the two credit reporting agencies ( CRAs ) about being a victim of identity theft. This serves as an additional request to have the inquiries resulting from the alleged identity theft blocked and removed from my credit report. It's imperative that these specific inquiries be blocked and removed within the designated timeframe. The identity theft report has been included in my prior complaint, and I am attaching it once again for reference. Additionally, the information provided by Experian and XXXX regarding these inquiries is unfamiliar to me. Furthermore, this data had already been eliminated by other bureaus individually. Consequently, I have reservations regarding the accuracy of the information they are presenting for each of these inquiries. Please see below are the listed remaining fraudulent inquiries that the Experian and XXXX Credit Bureaus NEEDED to remove : EXPERIAN : 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 explanation
Consumer complaint received 2023-10-23
Company: TH Professional & Medical Collections LTD
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recieved a bill from TH Prof Medical Collection- I contacted them to let them know the amount was already paid to XXXX XXXX XXXX XXXX. This was in XX/XX/2023 On XX/XX/2023 they reported to Credit agency I owe this amount. I do not owe them anything and account should never have been reported on my credit file PROOF OF PAYMENT IS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I moved out of my apartment of 2 years and moved into a new home. I unintentionally left my XXXX XXXX account open and was oblivious to the fact until XX/XX/XXXX/XX/XX/XXXX. I received at max 2 letters at my new address stating that this was an attempt to collect a debt between XX/XX/XXXX/XX/XX/XXXX for a balance of {$180.00}. I opened the letters and immediately attempted to pay online MULTIPLE times. If you follow the instructions and attempt to pay at XXXX you are immediately directed back to XXXX XXXX where wouldn't you know it I have no balance outstanding to pay. This roundabout system makes it impossible to pay online and is deceptive and misguiding to the end user. Given that these " attempt '' letters do not clearly state a date at which you must pay the debt by I kept trying to pay online. After finally having enough I called and asked for assistance to pay online again and was told to follow instructions on the letter I have received. This evening ( I called the debt collector in attempts to settle the bad debt in exchange for the removal of the derogatory mark from my credit history as their deceptive & negligent practices are the reason this occurred in the first place and I was told that can not be done. As someone with a very strong history of credit, a well paying job, and hopes to purchase a home in the coming years, a sharp decline in my credit score like this is very troubling to me. It is {$180.00} ... This is by no means unaffordable and something I would intentionally disregard payment on for financial reasons. I have a well paying job and a spotless history of credit and the implications of a lower credit score over {$180.00} seem egregious to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Upgrade, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I've raised disputes for the following accounts due to suspected fraudulent activities : XXXX. With Upgrade INC, the account opened on XXXX with a balance of {$4600.00} ( account number : XXXX ). After informing the creditor about the fraudulent account and their promise to report it to the credit bureaus, they failed to do so. Instead, they provided false information to the credit bureaus, falsely verifying the account. 

XXXX. Regarding XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXXXXXX  with a balance of {$8700.00} ( account number : XXXX ). I contacted the creditor regarding the fraudulent account, and while they acknowledged it as fraud and promised to report it to the credit bureaus, they did not follow through. They also inaccurately verified the account to the credit bureaus. 

XXXX. For XXXX XXXX XXXXXXXX XXXX XXXX the account was opened on XX/XX/XXXX with a balance of {$670.00} ( account number : XXXX ). Upon notifying the creditor of the fraudulent account, they assured me that they would report it to the credit bureaus but did not do so. Instead, they provided false information to the credit bureaus, incorrectly verifying the account. 

XXXX. In the case of XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXX with a balance of {$730.00} ( account number : XXXX ). After informing the creditor about the fraudulent account, they pledged to report it to the credit bureaus, which they failed to do. They also supplied inaccurate information to the credit bureaus, falsely verifying the account. 

XXXX. Finally, with XXXX XXXX , the account was opened on XX/XX/XXXX with a balance of {$4900.00} ( account number : XXXX ). I contacted the creditor about the fraudulent account, and despite their promise to report it to the credit bureaus, they did not. Furthermore, they submitted incorrect information to the credit bureaus, falsely verifying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NJ
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 have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: DC
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 contact XXXX, XXXX and XXXX  in regards to frauduelent loans, and other credit issuing. I was homeless since XXXX until recently have signed a lease. There shuould not be any home loans, credit cards report or other due to me being undomicle.

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 2021-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against 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 2023-03-10
Company: AXOS FINANCIAL, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to withdraw money from my account at AXOS BANK.to my XXXX I made a withdrawal of {$7000.00} on XX/XX/ it has been over 2 weeks. I have still yet to receive my transfer. 

On XX/XX/XXXX I contacted them. They said they will forward my request. 

XX/XX/XXXX. They said it will take 2 business days XX/XX/XXXX. I have roughly {$6000.00} more somehow in my AXOS account, seems fraudulent. That is not what I asked for. I want to move money out of there and get as far away from this bank as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern : I need assistance from your agency. 
I recently obtained a copy of my XXXX credit report, and I saw where a collection agency, named Ability Recovery Services LLC, has placed a fraudulent {$64.00} medical collection onto my credit file. 
This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 
I do not owe this fraudulent debt, and I want it immediately removed from my credit files, FROM ANY, AND ALL credit bureaus that they have placed it on. 
About 8 years ago this collector did this same thing through XXXX, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 
This collector has placed XXXX XXXX onto my credit files, for a deceased person, a XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 
They have had XXXX to add a XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to my credit file. 
I have never lived at this address, and I want this fraudulent address information removed from my credit files, as well. 
If your agency can do something about this collector who does not even verify the fraudulent information that they ruin peoples credit with, it would be greatly appreciated. 
On top of damaging my credit with debt that isnt mine, they are also breaking Texas statute of limitations law. 
They claim that this debt from whomever became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX. 
I want this collection agency to remove my name and information from their agency files, and I want hard copy written proof that this has been done. 
As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that, that has been done. 


cc : Attorney XXXX XXXX cc : The Federal Trade Commission

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person.

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