BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th request 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX 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 2023-08-24
Company: Nelnet, Inc.
State: AK
Product: Credit reporting, credit repair services, 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 student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions 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:
As of XX/XX/2018, my fiancs and I have been harassed at our home by people claiming to own our home or XXXX XXXX XXXX Owns the home. We have filed a fraud alert or my account a few months ago. Since then we have had our phone hacked with random people pretending to be an agent from our various accounts and Spoofing. Like XXXX, XXXX, XXXX XXXX  Cards, Light bill, Water Bill, XXXX and more. Hackers on our phone line asking us for our full social Security numbers or personal unrelated information. I called my house the other day and some strange man answered the phone as well as other hackers. Now my three credit reports have been compromised. There have been several changes to my date of birth, address from home to apartment or reporting accounts that are not mines that are delinquent account. My name is XXXX XXXX XXXX and other names have been reported like XXXX XXXX XXXX, XXXX XXXX XXXX, or just plain XXXX XXXX. Im also not receiving my mail, and someone has changed my address and rerouted the mail. XXXX   has removed XXXX XXXX XXXX as a fraud account. However Experian has XXXX  XXXX XXXX on my credit report still after multiple disputes made to their fraud department. 

On XX/XX/2018 I noticed that Experian has deleted my Social security from my credit report. I would like to have someone investigate because Im afraid my identity is being stolen and lose my home due to Fraud. I have some police reports as well. This harassment has happened thru the whole month of XX/XX/2018. These incidences include several other 's involved as well. 

Thank you 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 2021-06-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Amazon constantly calling saying I owe outstanding balance when I made payment. Amazon calls starting XXXX from different phone numbers even on Sunday. I make my monthly payments and for some reason there is always an outstanding balance

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 2023-10-04
Company: Experian Information Solutions 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 recently reviwed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report 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 2017-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter in the mail from Jefferson capital for a collect of {$580.00} I have reached out to this company and explained that I have no acknowledgment of this debt and that this is not me who has opened this account and asked him to normal or contact me and to report this as a fraudulent accounts. Around XX/XX/2023 Next company XXXX XXXX XXXX I have tried to dispute and explain multiple times. I have no acknowledgment of this account and that this is also not me and this is fraudulent.For the amount of {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, On XX/XX/XXXX, I tried to call the Transunion Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.

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 2022-11-21
Company: Collection Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from Commissioner of Insurance ; penalty for violation ; exception.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
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 is missing that should be on the report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX ( XXXX ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX 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 2022-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX at XXXX. Received 1st email from Wells Fargo, sent to my personal email " XXXX ''. Email was addressed to XXXX XXXX ( my maiden name ) saying " We have received your application ''. At XXXX I received a email from Wells Fargo XXXX` Access your deposit account documents electronically ''. At XXXX another email from XXXX " Please complete your Wells Fargo Online enrollment ''. At XXXX another email from XXXX " Next Steps for Your Application ''. Access code in email : " XXXX XXXXXXXX ''. An email at XXXX from XXXX, " Your Wells Fargo contact information has been updated ''. Showing the new email as : XXXX. Then at XXXX I received another email from XXXX saying my application for a new Wells Fargo account has been approved. ( I have pictures of these emails ) At XXXX I spoke with multiple employees at Wells Fargo ( XXXX ). They stated they will freeze the account, and have it set up for cancellation. They set up a fraud case ( Wells Fargo Fraud Case ID # XXXX ) and will be mailing me information and confirmation in 30-45 days. Through my own research, I was able to located the application documents for the account. ( I have copies of these documents ) It shows the account number ( was ) # XXXX. The name on the application was " XXXX XXXX '', their phone number ( and I assume this is the perpetrator ) # XXXX ( not mine ). The address on the application showed my previous address, " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ''. The Drivers License showed as " # XXXX EXP XX/XX/XXXX '' ( again not my DL # ). They were using my social security number. I have now frozen my credit, and am having to do many things to safeguard my identity. I am very very scared that they will use my identity further, and I wont be able to stop it again.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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:
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 XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2023-09-01
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: Was not notified of investigation status or results

Complaint:
I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
New American Funding Mortgage company will not adhere to original fees quoted. We were scheduled to close XXXX XX/XX/23 because the seller had to complete some work because of the inspection we had to delay and now the mortgage lender wants me to pay more in points then they had previously disclosed. Please save yourselves a headache and use a different lender they are no good. Hard to deal with. Say they are their to protect you but really they just want more of your hard earned money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation