BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: PA
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 sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX  account 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried to get multiple accounts removed from my credit report and asked for documentation to prove that it was mine and I have not received any response back from them yet. Also I have a lot of unauthorized hard credit report pulls that I did not authorize on my credit reports to

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 2021-01-08
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started recieving emails from LVNV Funding LLC about a past due XXXX bill. I am a current subscriber to XXXX XXXX  for 3 properties, so this immediately brought XXXX  to me,. After contacting XXXX XXXX, I was told I am paid up to date, I have no past due obligations to the company, and I am on an auto pay for all 3 accounts. 
I just recently received notice via mail from Resurgent Capital Services attempting to collect the same debt through XXXX XXXX, working with LVNV Funding LLC. As I looked at the bill, the final bill is from XX/XX/XXXX. Over 11 years in age. This is past the statute of limitations for the state of Michigan. I called the collector on XX/XX/XXXX and asked why are they attempting to collect a debt over the 6 year mark, and they said there is no limitation on trying to collect this debt, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is an open investigation into EXPERIAN. After repeated attempts to correct the error -- they still refuse to disclose the correct accounts, Un-REPORTED accounts, that could make a huge difference in the credit score they report on my credit. 

It is as if they are DELIBERATING refusing to report the correct information, and continue to list an old account that was never mine, and refuses to delete it. In fact, they updated it. XXXX. 

The other credit agencies investigated this account years ago, and deleted it. 

The Fair Credit Reporting Act, FCRA, 15.U.S.C.1681, states that you may sue a credit reporting agency for negligent or willful non-compliance with the law within 2 years after you discover the harmful behavior. 

I am asking for aggressive action to be taken against Experian. 

Their actions border on discrimination, and I find it odd that the ONLY XXXX accounts that are reported are with Georgia XXXX XXXX XXXX, here in GA, and my car payment. 

WHERE are my federal student loans? Where are my revolving credit cards? Where is the correct information. 

I am escalating this issue because twice before I have spoken with a supervisor at Experian over this same issue, and yet, nothing is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
I HAVE REVISED MY CREDIT FILE AND DISCOVERED SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND HAVE NOT BEEN AUTHORIZED BY ME. I AM ASKING THAT THE ACCOUNTS BE INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVISED MY CREDIT FILE AND DISCOVERED SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND HAVE NOT BEEN AUTHORIZED BY ME. I AM ASKING THAT THE ACCOUNTS BE INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX was a colleague of mine that was helping me with my computer, Ipad and phone as of XX/XX/XXXX. He took over my electronics devices and changed the account name and passwords. I had to have a tech specialist reset my computer and passwords. He got access to my account information and passwords. He also stole my Wells Fargo Debit Card, Wells Fargo Credit Card, XXXXXXXX XXXX XXXX and applied for credit on XXXX XXXX. He also applied for a XXXX XXXX with Wells Fargo. He runs a non-profit called XXXX XXXX XXXX. Several Charges were made to this organization. XXXX also charged camera rental gear on XX/XX/XXXX to XXXX XXXX and XXXX on my Wells Fargo Debit Card and did not return the equiptment. 

Wells Fargo : XX/XX/XXXX - XXXX XXXX {$500.00} # XXXX XX/XX/XXXX - XXXX XXXX XXXX {$100.00} XX/XX/XXXX - Online transfer from XXXX XXXX Card {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$.00} XX/XX/XXXX - Online Transfer Visa Signature Card {$1100.00} XX/XX/XXXX - Online Transfer XXXX XXXX Chacking {$250.00} XX/XX/XXXX - ATM Withdrawal {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX - ATM Withdrawl {$600.00} XX/XX/XXXX - XXXX XXXX {$7.00} XX/XX/XXXX - Non WF ATM Withdrawl {$340.00} XX/XX/XXXX - Non Wells XXXX XXXX {$2.00} XX/XX/XXXX - ATM Withdrawl {$100.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} XXXX - Online Transfer XXXX XXXX Checking {$280.00} XXXX - Online Transfer From Visa Signature Card {$31.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - AXXXX XXXX {$240.00} XXXX XXXX Shargrid {$400.00} XXXX - XXXX  {$6.00} XXXX - ATM Withdrawl {$120.00} XXXX - Account Transfer {$410.00}

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 2023-11-13
Company: National Credit Systems,Inc.
State: ND
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The apartment had problems and they deliberately did not repair the apartment, and because of this negligence, I suffered silver losses. 
If they were honest, they would not have abandoned the eviction lawsuit they filed against me. I'm careful about my reputation on record or credit report history. They used my XXXX supplies and prevented me from using XXXX. They failed to promise to the lease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: MD
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 filed numerous disputes with the agency about an account requested Experian to verify this account, they come back verified. 
i have written to the furnisher Multiple times via certified letter and even provided documentations to them that i contacted the furnisher directly to request same information and the furnisher didn't respond.

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 2019-04-09
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX  XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, I had an XXXX XXXXXXXX XXXX  and I purchased this car back in XXXX and it was never supposed to go on my credit. Also the car is back with the company due to them not being able to fix the car it was broke. The balance is incorrect I also have a letter from them saying it wouldnt be a repo.

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 2021-01-07
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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX XXXX and XXXX credit report. XXXX XXXX has sent XXXX and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but XXXX and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with XXXX and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.

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 2018-04-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed.

I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX  County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over.

I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed.

Thank you!

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$27000.00}, XXXX XXXX Balance Owed : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through Kia Motors Finance. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX Kia wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay Kia Motors Finance at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the XXXX for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to Kia Motors Finance. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX Kia and bought a new car, but was told Kia Motors Finance would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe Kia Motors Finance a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. Kia Motors Finance had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

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 2018-09-05
Company: CITIBANK, N.A.
State: WA
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 client XXXX XXXX is a victim of identity theft ; his information was used wihtout his consent to apply for accounts and services. Applications for XXXX XXXX XXXX XX/XX/XXXX and CBNA/Best Buy XX/XX/XXXX were submitted using his information. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX  and XXXX. Official disputes were sent to both of these offices XX/XX/XXXX in an effort to remove these items from our client 's credit reports however as of this data neither organization has followed up with a reply ; this is a violation of the FCRA and my client 's consumer rights.

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 2019-04-09
Company: F.H. Cann & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FH Cann & Associates had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XXXX XXXX 2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-30
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In early XXXX i tried using my Way2Go card ( child support ) after not having previously used for a month and it was declined. Which led me to check my transaction history and balance. To my surprise there was a XXXX balance. Mind you, there was {$800.00} that i had expected to be on my account due to not havent had used this card for a month. I immediately called customer service and opened a fraud claim. They gave me a claim number and proceeded to send some paperwork in mail. I received the paperwork in about a week. I immediately filled it out with transactions that did not belong to me. Which were all overseas in the XXXX to a merchant named XXXX another called XXXX XXXX. I noted exact dates from when these companies received payments from my account. A total of {$800.00}. Customer rep told me they would credit my account after 10 days after they received paperwork. A month later i called them since no credit was made to my Account and they stated it was still under investigation. I waited 2 more weeks and called today and they said it was denied and claim was closed. I am begging for some help in reopening this claim. I have two small children and in a middle of a pandemic i do not have enough income coming in. {$800.00} that was taken from my account is crucial for my children right now.

Company response to consumer: Closed with explanation