BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Hi there! 

I'm using Lexington Law to better my Credit so that I can build my business and buy a home. I have provided Lexington Law with my phone number, email address, and mailing address to contact me in case of any urgent communication. 

However, this week I saw an excessive charge item and fee ( which they called a " re-billing fee '' ). When I contacted them, they claimed that my card could not be charged. True, but I also explained that I keep my card locked and I have provided my contact information in case of an issue like this. They replied, " we don't call customers for billing questions. '' I think that is not right, unfair, and a scam for a company trying to profit by charging unnecessary fees to struggling folks. Someone, ought to help with this. That is why I'm filing this complaint. They have my phone number! At the very least, they should be specific on when they will charge my card so that I keep it open. It's called good customer service in my line of work. 

I'm seeking relief and a refund for this abuse. There is no such thing as a " re-billing fee, '' unless someone is just trying to find a way of making extra money from you. If they keep charging a {$20.00} " re-billing fee '' to XXXX or XXXX people, they're making a lot of money on the backs of poor folks without accountability. Please help and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter to the XXXX reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.

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 2022-01-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am no longer an Authorized user on this account. Please remove it 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 2023-09-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX. 

I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud. 
I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations. 

Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them. 

I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband. 

Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: TN
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Rausch Sturm LLP
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
He starts out by saying he is representing an Attorney, I believe this was stated to intimidate me. They call 5 or 6 times a day. I told him to take my number add it to the do not call list, and to send mail. I don't know who this company is. Normal Attorney 's don't call incessantly. They try intimidation by insinuating you are being sued. When all they are is a debt collector with shady dealing.

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 2019-06-22
Company: EQUIFAX, INC.
State: IL
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 WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2021-04-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have completed my loan modification conditions to take my loan out of forebearance but the incompetencies of Freedom mortgage has my loan still tagged as in forebearance. I have been waiting for 4 weeks to get paperwork to sign and notarize in order to complete the terms of the loan modification but I just found out today that the paperwork has still not been completed. I was told by the agent at Freedom mortgage that I should have received these documents about 3 weeks ago. I am tired and frustrated of receiving phone calls from Freedom Mortgage asking if I was ready to take my loan out of forebearance when i've already completed the conditions to get out of forebearance. This complaint is solely to get their attention in order to complete my loan modification in order to get this off my credit report and show that my payments are current.

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 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 5th 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 an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report. Thank you. 
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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The accounts are still open and they haven't reported back

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 19th 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 an alleged fraud or extortion. 
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 2020-12-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

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 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX TX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2021-12-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it May concern ; My situation is that someone stole my identity and opened a credit card from Citizens Bank. I became aware of this on XX/XX/XXXX when I was preparing to make a loan to refinance my house and pay off other debts. This could not be possible since my credit is affected. After several frustrating efforts to solve this situation, I am still being charged and my credit situation worsens. Every month my credit is affected more and still the Citizens Identity Theft department has not contacted me. 

I have been trying to contact the identity theft department since XXXX XXXX, 2021 at XXXX. Nobody ever responds to this number. I have called 12 times and left 9 messages, also three internal emails have been sent from the Fraud department and the credit card department. 

I already filed a complaint with the police, I fill the information in the form they asked for and I still have not received a response from them. 

I even contacted the chairman office of Citizens and file a complain # XXXX. I hope this e-mail can reach this department and resolve this problem. This situation is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope to hear from them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Nelnet, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/21 I was never told I can validate my debt. Pursuant to 15 USC 1592g. 
I would like to get everything back from them to do so.

Company response to consumer: Closed with explanation