BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXX Balance : {$8.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: IL
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:
After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: IL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2018-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Multiple Lenders unable to pull Equifax Credit Report. 

On XX/XX/XXXX I contacted XXXX XXXX to become Pre-Approved for a Mortgage Loan. The Lender came back to me and informed me that we were approved, but the Equifax Credit Report was blocked or frozen. The lender informed us that they would need to access this for us to qualify and close on a mortgage loan. They received the XXXX and XXXX report without any problem. 

After contacting Equifax Customer Care, they informed me that there wasnt a Lock on my credit report and its the lenders mistake or fault. 

On XX/XX/XXXX we contacted a different lender for a Pre-Approval. They also told us that the Equifax Credit Report was blocked, but XXXX  & XXXX report came through no problem. We were approved, but they would need the Equifax report for us to close. 

On XX/XX/XXXX, I contacted Equifax again to inquire if there was a solution to my problem. Again they told me it was the lenders fault and there wasnt a lock on my report. I told them it had to be on Equifaxs side, because the exact same problem happened a 2nd time with a different lender. I asked to file a complaint and they transferred me to an Escalation Department. They told me it would take 7-10 days to receive a response. There is no way to follow up and they told me I would receive an email or phone call. No complaint number or anything to follow up on. I dont feel confident that a resolution will come from this process. 

On XX/XX/XXXX, I called Equifax again to see if I could get a different response and that I wanted to file a complaint again. They told me if they filed a new complaint the original complaint would be deactivated and push the response time further out. I told them not to do that. Again they told me it was the lenders fault with no accountability whatsoever. 
On XX/XX/XXXX, we signed an offer agreement to buy a home and the close is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I called Equifax to ask about the Escalation of our problem. They told me there was no way to look up the progress and I just had to wait for a response, again via email or a phone call. 

On XX/XX/XXXX, I paid for the Equifax Credit Monitoring and tried to pull my Equifax credit report and couldn't access my report. Please see attachment. 

Needless to say Im a little worried that this will not be resolved in a timely manner due to Equifax and we will lose the home that were buying. 

Any help that you can provide would be greatly appreciated! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mobile : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: National Credit Systems,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:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. National Credit Systems Inc : # 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 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AZ
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.

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 inructions 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 2017-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received an email as an alert from Wells Fargo with the following text : - " We have updated your contact information Home/Permanent Address '' The problem is that I closed my Wells Fargo account more than 2 years ago, which included checking and savings account. I also stopped using the credit card and my account was closed by wells fargo. I have n't used any Wells fargo services or their credit card in the past 2 years. 

I contacted Wells Fargo and they had my latest address on file. I have no idea how they updated it. They asked me to disregard this message. 

How was Wells Fargo able to update my personal information without my authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.

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 2021-02-24
Company: Direct Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, I was contacted for the first time ( as far as I know ) from an unknown number. They left a voicemail that said my full name and that I have failed to respond and now they are trying one more time before ending voluntary communication. The voicemail said that they were willing to settle for 70 % of the debt or offer 12 month debt payments. It then gave the account number for my collection account. 
I immediately called them back and requested that they mail the information to me so I can verify the debt as I am unaware of this medical bill theyre referencing. 
Later that day, I got the EXACT same recorded message that had been left on my husbands Ex-wifes cell phone that she forwarded to my mother in law, who forwarded it to me. 
Id like it noted that I have no connection to my husbands ex-wife and there is NO reason they should be leaving all of this information on anyones voicemail- much less someone Im not even related to or in contact with. 
It should also be noted that the voicemail is a recording from XXXX XXXX. When you call back, everyone refuses to let you speak to him because they claim he is the guy that just leaves messages. I have the voicemail recordings available for both calls and can be sure that theyre both recordings!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was sent a check in the mail around XXXX time from Tower Loan. I believe I was targeted due to my credit and low income status. Out of desperation and wanting to buy nice things for my family, I deposited the check into my account. They then called and told me that I was approved for a higher amount so I went into the store to receive the extra money. Fast forward a few months and the payment amounts have ballooned to astronomical amount and I am unable to keep up with the payments. They are constantly harassing me with phone calls, text messages, and even showing up at my house and threatening to sue me. They call more than 10 times a day and never leave voicemails. I tried to negotiate a different payment plan to help get caught up with the payments but they are unwilling to help. I currently work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX but Tower Loan doesn't work with any other companies and are unwilling to help consumers at all. I believe they have predatory and unfair practices that are really hurting people by targeting those who are in desperate need and then become unwilling to help them out. They need to be investigated as a company and shut down. Not only that but the online payment portal is inaccurate and doesn't show the full amount that needs to be paid off, creating more deceit about the interest and loan.

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 2022-06-16
Company: Fay Servicing, LLC
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We financed a rental property through a company called XXXX XXXX XXXX. They sold the loan and it is now serviced by Fay Servicing. Although Fay has been escrowing estimated taxes each month, they did not pay the property tax bill and we have now been threatened with a lien on the property from the city of XXXX, XXXX. Despite alerting them to this issue 10 days ago, no payment has been made. I re-alerted them today. 

Fay Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying back my Wells Fargo student loans since XXXX. When my parents who had consigned the loans filed for bankruptcy they excluded the student loans. I have paid on time. Also over the amount due when I can. They stopped sending paper statements after the bankruptcy started and stated I could still access my account online. For the past several years that has not been a problem until XXXX of XXXX. They then stopped allowing account information to be viewed online due to a new policy. The account is not in default. When talking to multiple people no one could tell me about this new policy and could not give access to the account. I now have to make phone payments and can not receive any statement to know where the payment is going, how it is applied or new balances without waiting to talk to a representative. I just want to have access to the online account so I can ensure payments are being applied correctly or to receive either electronic receipt or paper receipt of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt consolidation was working with the Creditor and agree to payoff debt and stay close on report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the certified letter I sent to them last week regarding my account see below. I have a credit refund balance since XXXX. They sent me checks of the years but I never cashed them because I wasn't aware of credit refund and thought it was a scam to cash. I contacted them in XXXX in XXXX and told then I didn't realize I had auto pay on my account and is requesting a credit refund of all the amounts taken from XXXX of opening of the account. I was making XXXX payments a month apparently. I mailed them this letter below since the correspondence department handles this and mail is the only option this is what I was told via phone. I contacted them today again for a follow up XX/XX/XXXX via phone and they stated they did receive my letter and stated it wasn't clear of what I wanted which I did indicate exactly my request of all monies owed to for overpayment to be sent to me via check. They are not willing to send me my check of monies owed and I am reporting them for fraud and not returning monies owed to me legally. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Attention : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Refund of Credit Balance Dear First Progressive, I hope this letter finds you well. I am writing to request a refund of the credit balance on my account with your company. The purpose of this letter is to request for a credit balance refund for the entire duration of account opened since XX/XX/XXXX. 

As a valued customer, I recently noticed that my account shows a credit balance. After reviewing my records, I have confirmed that this overpayment was made unintentionally. Therefore, I kindly request that you process a refund for the excess amount as soon as possible. 

I would appreciate it if you could initiate the refund process and provide me with an estimated timeframe for when I can expect to receive the refund. Please ensure that the refund check is issued with the full amount owed to me from the beginning of the opening of the account. 
If there are any further documents or forms required to complete this refund process, please inform me promptly. I am committed to providing any necessary information to expedite this transaction. 

I would like to express my gratitude for your prompt attention to this matter. I value your excellent customer service and I am confident that you will handle this refund request with the utmost professionalism. I look forward to receiving the refund at your earliest convenience. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email or phone, as indicated above. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation