BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: AL
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 been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my Equifax credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX  Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: DE
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 certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: NV
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 are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, WFB XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The funds listed below were deposited into the Chase Branch on XX/XX/XXXX, I have phoned and spoken with Numerous customer Service representatives at Chase regarding this issue and have gotten nowhere, I did not expect to that I would have to continue to plead with Chase regarding these deposits, They implemented/initiated the Process of closing/Terminating the accounts and I would expected that they would have faithfully refunded me my funds. I have been expecting a cashiers check in my name as of today that has not happen. I was advised to personally go into the branch with the appropriate identification and they would resolve the matter from there as of today the issue has not been resolved. 

( XX/XX/2022 ) {$3500.00} ( XX/XX/2022 ) {$1500.00} At first everything seemed to be on track, On XX/XX/XXXX I went into The Chase Branch Located at : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX I sat and spoke with the Branch Manager ( XXXX XXXX ) who phoned the Executive Branch and advised them that I was there and presented them with the appropriate Identification and that I XXXX XXXX was the Issuer of the checks that were never reimbursed. 

The checks were sent payable to XXXX XXXX the incorrect party : which the accout was closed/Terminated. 
I spoke with ( XXXX XXXX at the Executive Office on several occasions regarding this matter As recently as XX/XX/XXXX and she indicated that she was going to speak with the lawyers and would be getting back to me, as of today I have not received any type of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXXXXXX XXXX XXXXXXXX

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 2020-12-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint Against Wells Fargo Regarding COVID19 Debt Relief : I applied for and was approved for a 90 day payment suspension from XXXX - XX/XX/XXXX. Payments were scheduled to resume in XX/XX/XXXX. During a conversation with a Wells Fargo representative in XXXX regarding returning to repayment status, we discussed other debt relief options. I indicated that I was not interested in any " additional '' options, but wanted to return to repayment status. Wells Fargo canceled my original 90 day payment suspension from XXXX to XX/XX/XXXX, IN ERROR and this issue has remained opened since that XXXX. I have had multiple conversations with Wells Fargo and the only explanation that I received is a response is pending from my mortgage investor XXXX XXXX on loan modification. I've repeatedly indicated that I am only requesting Wells Fargo to honor the 90 day payment suspension from XXXX - XXXX and to allow me to defer the suspended payments to the end of my loan term. 

I filed a complaint with the OCC in XXXX. I received a response from Wells Fargo on XX/XX/XXXX indicating that a response from investor was expected in 6 to 8 weeks. However, it has been 10 weeks and I still have not received a response from Wells Fargo. My account is currently showing passed due due for 90 days. I have made the following payments, despite Wells Fargo recommendations not to make a payment until a response from investor is received. 

XX/XX/XXXX - {$6500.00} XXXX ( Two months - XXXX and XXXX ) XX/XX/XXXX - {$12000.00} ( Four Months - XXXX, XXXX, XXXX and XXXX ) - Saved mortgage payments waiting for payment suspension issue to be resolved. 

This significant delay in response has caused financial harm to my family. We have bene unable to refinance our mortgage and have been in a holding pattern waiting on a response. I have never been late on my mortgage payment prior to COVID19. I have always paid as agreed. I am concerned about my credit score and loss mitigation/foreclosure processes due to the Bank Error!

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 2022-07-12
Company: CITIBANK, N.A.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 account below : XXXX XXXX Late Dates 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXXXXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX , Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXction 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.

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 2023-10-17
Company: Credit Service International Corp
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
decided it was not worth the time to fight a parking ticket, paid before court date, have email confirmation & CC card statement showing paid on XX/XX/2023. 

now I'm getting notices of unpaid from collection agency. Now I have to take the time to call to resolve, no option to submit info online, more time wasted... 

resolve it please- XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL 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 2020-09-30
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical bill in collection From XXXX XXXX XXXX XXXX that they billed to the incorrect insurance. I spoke to them about this before they transffered the debt to collections. It has been transffered to 2 different agencies. I have spoken to both of them to put in a request to XXXX XXXX XXXX cause this was billed incorrectly. uy the XXXX and the collections agency that represent them refuse to validate the debt and get the original billing issue corrected I would like this removed from my Credit. The collection agencies are telling me even though XXXX XXXX XXXX has made an error they can n o go back and correct I would like this removed from my credit Thank you. its for XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted XXXX XXXX XXXX ( XXXX  ) to inquire about my student loan debt, but they could not prove the amount. I asked for paperwork and it took a long time for them to supply it. In addition, a large portion was fees that were owed was payable to their company. In addition, in XX/XX/XXXX they agreed to forgo wage garnishment until I validated the debt. I received a notice of cancellation of garnishment in XX/XX/XXXXbut a notice of wage garnishment in XX/XX/XXXX. This is not enough time to research a decades-long debt. I was told to send an email to XXXX and I did. They stated that they received no such email. Finally, they did not offer any reasonable repayment amount as I am recovering from XXXX  and I only have a part-time XXXX XXXX position.

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 2022-11-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my credit card that I opened up in XX/XX/XXXX 2022. However, I sent a re-investigation request for this account on XX/XX/XXXX2022 through certified mail. XXXX  XXXX is the account name and the account number is XXXX. I have both credit reports from XX/XX/XXXX2022 to XX/XX/XXXX2022 that I have printed. I know, by law, consumer reporting agencies must correct or delete any inaccurate, incomplete or unverifiable information within 30 days. 
I recently got my credit report ( XX/XX/XXXX 2022 ), which is past 30 days now, and it still shows many inaccuracies and violations. A few being " high credit '' showing different numbers for XXXX, XXXX, and Experian. Which is not XXXX XXXX accurate in that case. Another thing for example is the " payment history '' across the XXXX bureaus aren't showing the same. I pay my credit card in full by due date every month since I've had it, but Experian and XXXX are missing the report for XXXX and XX/XX/XXXX2022. And then XXXX is missing my XXXX 2022 payment on history. Last example is " payment status '' across all XXXX bureaus look different in that regard. 

Again I'm requesting monetary relief per violation on this account and deletion of what's inaccurate. Update what's necessary also please. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( experian )

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 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from Midland credit continuiously calls my job even after I have asked him not to call my job. He is now XXXX family member calling them several times a day. They have had to turn their ringers off on their phones while at work because of the calls.

Company response to consumer: Closed with non-monetary relief