BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX  shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXXXXXX XXXX mortgage payment. 

Our payment ( s ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX  reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had XXXX addresses listed ( my old address in New York and my current address in South Carolina ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXXXXXX XXXX statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, 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 2023-05-11
Company: Kriya Capital, LLC
State: NY
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:
An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I purchased shoes at XXXXXXXX XXXX XXXX online ( XXXX XXXX ). On XXXX the shoes were returned and credited. On XX/XX/XXXXXXXX I received a letter from State Collection Service. IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating I owed XXXX XXXX {$34.00}. They have my name and address and they are threatening that if I do not pay the past due fee, this will affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-20
Company: MORGAN STANLEY & CO. LLC
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I deposited {$38000.00} XXXX  year XXXX  with Etrade / Morgan Stanley. 
In XXXX XXXX XXXX, I requested the XXXX be closed and funds transferred to me. 
After numerous delays, further documentation was mailed on XX/XX/XXXX which included the distribution form and state XXXX requested. 

I also want to add, in XXXX XXXX XXXX I received a 1099-R for {$1800.00}.

I never received a check for that amount or was given a copy of the cancelled check.

Im still waiting for the balance of my account to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: FISERV INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I filed two claims with money network customer service due to unauthorized use on the card I had with them. The one dispute totaled around {$420.00} dollars and the last 4 of the claim number is XXXX, while the other claim totaled {$200.00} dollars and the last 4 of that claim was XXXX. I was promised by a supervisor at that time that I would be given a full provisional credit within two days of me filing these claims because I needed the money for rent! Now it clearly states on money networks website under the terms and conditions that once a fraud claim is filed within 10 days you will receive a provisional credit for the unauthorized charges. Not only does it state that on money networks website-it also is a federal law and beings that this company claims to be fdic insured-they have to give me my money back! I have called customer service everyday now for the last few days and I ask to speak with a supervisor. I'm not sure what kind of employees money network looks for when hiring, but they need some additional training because not one of them is even nice let alone empathetic to my situation. Not one of them even knows what money networks terms and conditions even say!! I want my money back now! It's been well over the 10 day grace period that you people have been allotted to give me the provisional credits you owe me! I will continue to make complaints everyday if need be!

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-04
Company: National Credit Adjusters, LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a debt with XXXX XXXX of California. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to California 's statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past XXXX yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from letterstream.com to XXXX, XXXX, and XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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 am writing to dispute the account referenced XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-09-07
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/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 2023-05-04
Company: EQUIFAX, 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 status incorrect

Complaint:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a phone call that my phone 's caller ID identified as " Wells Fargo, '' my bank. The caller introduced himself as being from Wells Fargo, and said there was some suspicious activity on my account and that they needed me to log onto their website ( which is something that has happened before, and the call was legitimate ). As instructed, I logged on using the mobile app and they told me to send myself a money transfer via XXXX. I logged in but, thinking it seemed fishy, I asked them why I had to do this and got only a vague, mumbled answer. I hung up on them, not giving them any personal information or login info, but later my phone was acting strangely and then {$1500.00} was missing from my account. 

What I believe happened : the scammers took advantage of a serious security flaw in Wells Fargo 's tech, hacked my phone and got the info they needed to complete a transfer and sent the money to themselves. 

I called Wells Fargo that day and they said there was nothing they can do. I filed a complaint and received a letter saying my request for return of the funds was denied. I called them to ask them to elevate my complaint. I received a further call on XX/XX/XXXX reaffirming that there was nothing they were willing to do to help their customer of over 20 years who was scammed without giving away any personal information. Wells Fargo has a shady reputation but until now I had never had any complaints.

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 2023-05-04
Company: EQUIFAX, INC.
State: NV
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX Balance : {$1800.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on XXXX, Experian and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on 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 2022-09-09
Company: Experian Information Solutions 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:
I Recently reviewed my credit report and seen some accounts that i did not open and did not authorize anyone to open not sure how they are open under my name because i dont and cant seem to get control of the accounts to even get them shut down. 
So i contacted the companies ( XXXX XXXX and XXXX ), via email and asked for some correspondence back so we can figure out how to get these things resolved. I have not heard back from either companies and i dont know what to do to get this stuff removed from my credit report. I know that i have Rights and they are violating them witht these reportings. I dont want them on my credit report because i didnt not create and/or control these accounts. 
i emailed XXXX and XXXX on XX/XX/2022, and still no word from the company, i tried calling the number provided by experian.com and that instructed my to email andi did. Still nothing. these debts are not mine.

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 2021-11-23
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicredit debt of {$170.00} was a medical co pay that was paid at the time when I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  : {$940.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX  : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00XXXX 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 2023-05-04
Company: EQUIFAX, INC.
State: MS
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 Closed onXX/XX/XXXX XXXX XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts

Company response to consumer: Closed with explanation