BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX- $ XXXX should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX  {$0.00} balance this should not be on my report its closed XXXX balance and doesnt not belong to me. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX {$3500.00} should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication.

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 2019-06-30
Company: EQUIFAX, INC.
State: CO
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 requested that Equifax, XXXX and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: OH
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 original home mortgage loan was with XXXX, and taxes and interest were always paid separately. My payments were never late while with Wachovia. After the loan sold to Wells Fargo, Wells Fargo started charging me for the taxes and insurance with my principal payments even though those were already paid separately. When I sent a principal payment, Wells Fargo kept charging me extra for the taxes and insurance ( even though they were paid ) and reporting the entire payment as late plus they continued to charge me interest and penalties on the entire amount including taxes and insurance that was already paid. This made it nearly impossible for me to catch up. These late payments are the only ones on my credit report. I do not have any of these problems with any other creditor, including a car loan I have had with Wells Fargo ( never late on those ). I even borrowed money from a friend to pay the home mortgage account in full.

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 2022-10-19
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hi I Have a Major Emberassing and Frustrating situation with Wise. 

I Have been submitting a XXXX $ wire transfer that didn't go through and was stuck with XXXX XXXX on wise side if the transaction, and after so much time been transferred from XXXX XXXX to wise, for this I got an approval from both XXXX XXXX and Wise. 

I got an email from the company more then 3 weeks ago to either setup another transaction request or that my money will be refound to me. 

I have records showing a comunication with the Wise support center to refound me the money back. they conformed more the 3 weeks ago that I should recive my money in 5 buissnes days. 

Since then I am back and forth with them, with there respond that the issue now again is with the partner bank. That is passing the terms of my refound that should not take more then 10 days and the guarantee that I have been promise to receive my money back. 

This delay cause me so much on my personal life and my relationship beacuse that is my savings money. 

I was trying to speak with a supervisor that can speed this up and help me get my money back. 

I am a client that planning to use those kind of services in the future as well and this is unfortunate that we got to this situation. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XXXX of 2022 the company said the payment I made was late but I never paid late. They messed up when trying to charge my account and never updated my new account that I added.

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 2022-12-02
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, I received an alert that an inquiry had been made into my XXXX credit report that I did not initiate.

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 2019-07-02
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX {$240.00} XX/XX/2017 ( 1 yr ) This company has been calling and leaving remarks on my credit report. I have never signed anything or initiated business with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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. 

NAVIENT account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions 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:
One of my creditors, XXXX XXXX XXXXXXXX XXXX XXXX is not appearing on my Experian credit report and hasn't been since XXXX, XXXX. I have spoken to their Customer Service Dept at least 8 times and their reason I am told is they are not receiving the file from XXXX and to contact the creditor for resolution. I have contacted XXXX numerous times and each time I have been told that the file for each month is sent to all reporting agencies at the exact same time. XXXX did an extensive review of my account and have assured me there is nothing that would prevent my file from being included with all the other files that are transmitted monthly. Both XXXX XXXX XXXX shows XXXX on their reports as a creditor and is being updated each time they have received the monthly file. XXXX doesn't even show as a creditor on Experian. This is impacting my credit score when potential creditors run my credit through Experian and don't see any mortgage information listed as a creditor. 

I am caught in the middle on this. Experian can't take my problem as an official dispute because XXXX isn't listed as a creditor and XXXX has done what they are supposed to be doing every month transmitting the payment information to all 3 agencies. I need Experian to add XXXX to my credit report and show payments that have been made since I took the loan out in 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 2019-06-29
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checking my credit reports, saw that I have a collections notices XXXX was the original debt {$440.00} but it was bought by Diversified Consultants. 

Requested validity of debt from XXXX. 

Received letter from Diversified Consultants with original XXXX bill. 

XXXX has the wrong state that I never lived in. 

I never received the bill from XXXX because they had the wrong address in turn they sold it to debt collections and it's on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, my credit card was charged for 3 fraudulent charges- {$5.00}, {$19.00} and {$79.00}. I immediately notified the Fraud Department at Synchrony Bank and was told a Fraud Claim would be opened. 
On XX/XX/2023, letter received from the Fraud Department - Fraud Claim approved and charges will be reversed in 10 days. The charges were not reversed in 10 days.

On XX/XX/2023 Fraud Department stated I did not need to make a payment during the investigation process. No interest or late charges would be assessed. Interest and Late Charge has been assessed. 
On XX/XX/2023, a charge of {$28.00} " transfer from XXXX '' appeared on my account. 
On XX/XX/2023, checked on progress of investigation- it will take 60 days. 
In May, I called the Fraud Department again to report interest and {$28.00} charged to my account. I was told all charges and interest will be reversed. Again, did not happen. 
XXXX XXXX, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had been made to me. To date, there has not been a response to my letter. 
On XX/XX/2023, my husband called and was told that the claim had been resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) have been reversed as was promised. 
In summary, I have had to make many follow-up phone calls, received several unfulfilled promises and after nearly 6 months still do not have a resolution.

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 monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my XXXX Credit Report after discovering it when I applied for credit for a car loan. XXXX XXXX did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by XXXX as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX A Letter was mailed to Tide Water Fiance Company in reference to account number XXXX for payments not be applied on time and repeated phone calls that were to stop and to apply payments on time. I continue to get emails when my payment is late and phone calls. My wife XXXX XXXX at XXXX called XX/XX/XXXX and asked them to stop calling the represenative advised that both my numbers XXXX and XXXX would be added to the do not call list. My wife called today and recorded the conversation with TideWater advising the call was recorded did indeed confirm that since XXXX XXXX 3 calls have been placed by them to collect a debt. 
I have paid the bill and the company has called to collect a late fee. Please advise as to what to do? I am tired of receiving calls and being harrassed from the company. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I  respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation