BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
My ex wife was supposed to take my name off of the XXXX  account and did not and even though my name is not on the account as per the collections company and the account was paid by my ex-wife they still will not immediately take it off of my credit report. 





Below is the payment to collections for XXXX XXXX XXXX XXXX, account XXXX. XXXX did not know he had to return the old receiver. When The account was transferred over to his name, the representative messed-up and kept your SSN on the account. 


Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX CDT To : XXXX Subject : Payment Confirmation Dear XXXX XXXX, Thank you for making your payment in the amount of {$290.00} for reference number XXXX. 

Please allow up to 3 business days for this payment to be reflected on your account. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Name, address and history of Collections Company SEQUIUM ASSET SOLUTIONS Last reported XX/XX/2020 {$0.00} Reported balance Original balance {$290.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/2020 ( 2 mos ) Account status Closed Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name SEQUIUM ASSET SOLUTIONS  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
I received my annual credit report online from Experian. I was able to look at it on Wed. XXXX XXXX, 2018. I tried to view it again later on Wed. XX/XX/XXXX and again on Thursday, XXXX XXXX. I was unable to find a way to put in my report number to view it again. Eventually through their help I was able to find a link to view the report but the link would not work and gave me a message that said : we are updating our server and this information is not available. I have tried this for 2 days. They also gave a phone number to call : XXXX XXXX but when I call I can not reach anyone to speak with and the prompts do not answer my question. 

I tried the phone number given to me by your consumer finance rep : XXXX XXXX and had the same issue. 

Experian must have a phone number for customer questions but apparently they don't want to answer any. 

I also tried 2 other numbers I found on the internet - they did not work either. 

The only way I can see to receive my report is to become a member and that costs XXXX a month-something I do not want to do. 

Even an email address would be helpful. 

I believe Experian needs to be made to provide some live contact for its customers.

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 2018-12-06
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I FELL BEHIND PAYING MY MORTGAGE XX/XX/2016, I HIRED THIS ATTORNEY IN XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. THE MORTG. SERVICER IS SLS OF XXXX XXXX XXXX. XXXX COLORADO.THIS COMPANY HAS NOT SENT ME ANY MORTGAGE STATEMENTS AFTER XX/XX/2016, THEY FORGED A ROBO-SIGNATURE ON ALL THERE DOCS TO MY ATTORNEY AND MY SIGNATURE ON PAPERWORK THEY SENT TO MY ATTORNEY IS NOT MINE. ALSO THEY REFUSE TO SETTLE OR GIVE ME A MORTG MOTIFY, BECAUSE OF MY AGE/XXXX, AND THEY ARE DRAGGING THIS OUT ADJORNING THIS CASE AS A RETALIATION AND CAUSING MY DEFAULT TO MY MORTGAGE SIGNIFICANTLY SO I COULD NEVER PAY THE ARRERS OF MY DEFAULT AND FORCE ME TO CLAIM A CHAPTER XXXX BANKRUPTCY.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've had multiple times that I have been charged overdraft fees. These fees were charged more than 2-3 times in one day. When you call they say there's nothing they can do. I have also had fraudulent activity on an account where my money was frozen for months. The bank suspected me of fraud. When it was someone who actually hacked into my online account in Florida and deposited checks into my account. I suffered for months without being able to even touch my money deposited from my job. Then the bank calls to apologize and reissue me a new account. Since then I have different feelings about wells Fargo. I don't recommend them at all. An apology was all I received. I now only have the bare minimum deposited into this bank because I have trust issues with them. Over 16 yrs banking

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 2022-03-31
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: AL
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:
my mom filed bankruptcy XXXX years ago. i was a co signer on a wells fargo credit card ending in XXXX for the past XXXX years wells fargo or XXXX  failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX  years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit XXXX years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge XXXX years after its been charge off. please help

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 2023-04-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item 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 item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
We got this vehicle back on XXXX XXXX it has been 4 years and 11 months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to XXXX and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.

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 2020-08-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 opened account in response to promotional offer that provided {$300.00} bonus if completing the following : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I completed the 10 debit card transactions on XX/XX/2020 and opened the savings account and enrolled in estatements and bonus was said to be paid within 120 days which would have been by XX/XX/2020. As of today, XX/XX/2020 no bonus has posted to the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have three mortgages that are being serviced by Loancare. I have repeatedly asked them to rerun my escrow accounts after they paid my taxes because my taxes were lowered. My escrow accts have too much money in them and two off My payments should have been lowered. One payment was lowered, one was increased the last one wasnt completed. It wasnt notified of any of the changes.

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 2020-08-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to falling and XXXX XXXX XXXX one month and the second month I got stung by a stingray. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted them to remove my security freeze on XX/XX/2020.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted them to remove my security freeze on XX/XX/2020.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
These knuckle heads are playing a hard ball by alleging that someone is helping me with the issue. XXXX fixed the issue as they did their job of removing the fraudulent accounts. Experian totally ignored my request and the laws and kept it moving. Please. The amounts owing are not mine for XXXX and 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 2021-09-08
Company: EQUIFAX, INC.
State: AZ
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:
The Bureaus-XXXX XXXX {$980.00}, XXXX-XXXX  XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX {$13000.00}, XXXX-XXXXXXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}, XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 BANK XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK NA XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief