BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When checking my credit report about 7 months ago, I noticed a collection account on there from Southwest Credit Systems ( SCS ) by way of XXXX XXXX. I had no knowledge of the debt, so I disputed it on all three credit bureaus. I never heard anything back, but when checking on my report, the debt was still there. I then contacted SCS by phone to let them know that it wasn't my debt and need to be removed. XXXX XXXX made a mistake on my account and sent this untrue information to SCS. I have a letter from XXXX XXXX stating that they made a mistake on my account and that a refund would be issued. I've contacted SCS several times to get the item removed, but have been giving the run around when I call. About two weeks ago, I called and at the time was told I owe {$120.00}. The original amount, which is still on my reports is {$730.00} owed. My fist issue, even if I owed the {$120.00}, which I don't, why is my credit report showing me still owing {$730.00}? Another time when I called, the rep on the phone stated that the account was paid in full, which again I don't get because I didn't pay on this fraudulent debt. My second issue, if it's showing paid in full on SCS screen, why do they still have it listed as a balance owed of {$730.00} on my credit report? When questioning the reps, they got real irritated and transferred me to some VP voicemail, which was over a week ago, and I still haven't heard back from anyone. I'm tired of the run around and it seems as I'm getting different information every time, all which is inaccurate, yet they haven't removed the false information from my report. The lady on the line claim that they don't remove or add things to our reports, they just collect on them. The last issue is that I've been contacting this company to get the inaccurate information removed, with getting the run arounds, no call backs and being told anything ... .I look on my report today and it shows they updated the past due amount of {$730.00} on XX/XX/20, which is inaccurate. When I called SCS today on this, the rep said the balance is paid in full. Someone please help, this inaccurate information is causing issues with my credit. Just a side note, these companies always claim that the calls are recorded, please make them pull the calls from my conversation, so that you can hear exactly what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-19
Company: WELLS FARGO & COMPANY
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:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. Wells Fargo Bank allowed fraudulent charges and owes me over XXXX for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; 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 2018-08-26
Company: AMERICAN HONDA FINANCE CORP
State: LA
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:
American honda finance is reporting wrong information to all three credit reporting bureau 's. Honda financial is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment honda received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Well Fargo was charging me over draft fees.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 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$0.00}, 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 explanation
Consumer complaint received 2021-12-22
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PLEASE SEE ATTACHED DOCUMENTS FOR VIOLATIONS Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper a security ( Money ). Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. They Are also Civilly liable and mus return twice finiance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Our account information was breached or skimmed. TransUnion began charging our account {$19.00} for 31 months. Contacted TransUnion XXXX and spoke with CSR who indicated she would initiate a refund claim. She did not. Contacted TransUnion 15 different times only to be transferred to another to another department. Have tried to resolve these fraudulent charges directly to no avail. Case # XXXX. Thanks 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 2023-02-23
Company: Conn's, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a identify theft victim, I have reported to these companies as well as the credit bureaus thats these are not my accounts. Neither show any interest of resolving this issue, I have submitted police report as well as ftc report still nothing. Ive ask for physical signed documents which hasnt been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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 have been asking XXXX XXXX  to verify a collection debt on my credit report. They have failed to do so in the past two months which is a direct violation of my rights as a consumer. Per 15 U.S. Code 1692g - Validation of debts. A company has 30 days to verify a debt. Transunion is continuing to allow this by reporting this debt although this debt has been deleted from both XXXX & XXXX. Another violation of the FAIR CREDIT REPORTING ACT. If this issue is not resolved I will be taking it to court!

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 2021-12-22
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:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus XXXX, XXXX and Transunion. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service 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 2018-08-26
Company: SYNCHRONY FINANCIAL
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 stated several times that the creditor name XXXX XXXX which is a timeshare that its not mine and the creditor keep saying its reporting correct. Also they put under note that was updated as of XX/XX/2018 when it has not been active for 6 years.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
In accordence with the Fair credit reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS 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 2022-06-13
Company: Rocket Mortgage, LLC
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: GA
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:
My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX  , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.

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