BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
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:
I am writing to lodge a formal complaint and request the immediate removal of several fraudulent items that have been erroneously included on my credit report. These fraudulent items are causing severe harm to my creditworthiness and financial standing. The fraudulent items in question are : 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 

I have taken immediate action to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items with the credit bureaus, and filing a police report. I have also initiated a fraud alert to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you promptly investigate and rectify these fraudulent items on my credit report. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect swift action to remove these fraudulent items from my credit report. 

I also request that you notify the creditors associated with these fraudulent items, informing them of the fraudulent nature of the accounts and requesting their immediate removal from their records. Additionally, please take the necessary steps to prevent any further fraudulent information from being added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX. 
Account Name Account Type Account Marks Past Due Reported On 1. 
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting. 

My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2020-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
THIS IS THE SECOND TIME I HAVE HAD TO FILE A COMPLAINT AGNIST SELECT PORTFOLIO SERVICING. I HAVE BEEN TRYING TO DO A MORTAGE ASSUMPTION FOR 2 YEARS AFTER THE LAST COMPLAINT THEY DENIED THE MORTGAGE ASSUMPTION SAYING THE PROPERTY WAS NOT MY PRIMARY RESIDENCE, I APPEALED THAT DECISION AND SENT DOCEMENTATION THAT IT WAS MY PRIMARY RESIDENCE. NOW THEY ARE SAYING THAT I HAVE TO BE A SECCESSOR IN INTEREST I ALREADY OWN THE DEED BY QUIT CLAIM DEED AND I HAVE LIVED ON THE PROPERTY FOR 13 YEARS AND DO ALL UPKEEP ON THE PROPERTY. I GOT THE PROPERTY AS A TRANSFER RESULTING FROM THE DEATH OF A BORROWER .I CANT GET MY OWN INSURANCE BECAUSE THE MORGATAGE IS NOT IN MY NAME AND I HAVE ESCROW PAYMENT CHECKS JUST SITTING HERE CANT GET THEM TO PUT THEM TOWARDS THE BALANCE OF THE MORGTAGE BECAUSE THE MORTAGE IS NOT IN MY NAME I CANT DO ANYTHING BE ITS NOT IN MY NAME THEY SAY I CANT BE AN SUCCESSOR IN INSTREST HOW IS THAT POSSIBLE IAM THE ONLY PERSON IN INSTREST ON THIS PROPERTY PLEASE HELP STRAIGHTEN OUT THIS MESS THIS IS THE WORST MORTAGE COMPANY EVER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, XXXX, and Equifax and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
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 writing to file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX XXXXXXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX I reached out to Wells Fargo regarding charges that were showing on my bank account from XXXX XXXX XXXX. I did speak with XXXX first and was directed to contact my bank as they were not able to see the charges from my account. I explained to wells that my card had been previously missing I just did not assume it was lost. I advised them of a charge for XXXX with a XXXX XXXX XXXX, {$170.00} through XXXX & another for XXXX. After submitting the dispute wells took the money back on XX/XX/XXXX. On XX/XX/XXXX I spoke with the disputes department in which I brought on a rep from XXXX named XXXX in which she confirmed the last XXXX of my XXXX account and confirmed with Wells that the payments were not on my account. After a few more calls I was advised to reach out to the other vendor on XXXXregarding the {$600.00} charge and was spoken to rudely by her stating " she did not charge me directly just charged a card that was given to her and she did not look at the details. '' I followed up with well Fargo and was advised to fax the documents over to the, docs were faxed on XX/XX/XXXX and when I reached out on XX/XX/XXXX the claims rep was very rude asking if I had spoken with the wells rep and the XXXX rep why is it that no one reopened my claim. she wouldn't allow me to speak as if she was too busy to talk with me. I asked if they received my fax and she told me they did but that the claim was denied once more because XXXX  stated that they were my charges on my account. I have faxed Wells Fargo my billing statements from XXXX  and everything that I have from the XXXX rep and still no assistance. This has placed me in a financial bind one that I should not have to go through. I have also reached out to XXXX multiple times without any resolve as I keep being instructed to contact Wells Fargo. I also tried to file a dispute through XXXX as instructed by Wells in which I am being advices by XXXX  that wells has to file the dispute and they never did.

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 2020-11-05
Company: EQUIFAX, INC.
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:
XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MD
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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NJ
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 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 2018-03-27
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: Account information incorrect

Complaint:
1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-RETAIL ACCOUNT {$1300.00}

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 2023-09-15
Company: EQUIFAX, INC.
State: MI
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:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX  If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We literally had to drive down to a local M & T Branch in order to obtain my bank statements and copies of checks in order to do our taxes ( they wont provide online or after a phonecall request ). These XXXX  still have not either mailed or sent these to us in weeks, and time is ticking. Truly the worst bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

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 ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving calls from Sunset Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA. They are calling for XXXX XXXX. I have no idea who this person is. I have had this number for almost 2 years. I have advised them on multiple occasions that I do not know this person. They informed me on XX/XX/XXXX that they can continue to call me. I have complained with FCC, on social media, their website and now here. I have been on the Do Not Call registry since XX/XX/XXXX. I have never done business with this company and I have no outstanding debt. The number they are calling from is XXXX. The number they continue to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: U.S. BANCORP
State: HI
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 am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

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 2018-07-02
Company: Firstsource Business Process Services, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received written letter from XXXX regarding debt which is not mine, no verification of debt has been produced giving account details or pertinent info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute with Transunion twice regarding my XXXX  XXXX XXXX account. My balance has been paid in full and I owe nothing on that account. The balance was paid several months ago but Transunion says they are reporting accurate information. This is a blatant lie and proves they do not investigate.

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 2023-07-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company XXXX sold bill too and XXXX was PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive opened an account with Wells Fargo twice in 2 years. Both times my account was closed without any warning. They said I didnt use my account in 30 days so they closed it. Nowhere in any agreement did it say anything about them closing accounts if not used in 30 days. Nor was I told when I opened the account. First time it was closed mid XXXX then it was closed in XXXX and I didnt have the account open more than a month

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