BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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 was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Experian report, I noticed harmful/ fraudulent information. I investigated and found identity theft by the name used XXXX XXXX on financial contracts that were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX for {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. This account/ patient was charged for a procedure that never took place w/ NO patient medical release from XXXX. A premedical exam was shown to done w/ NO additional medical labs work, NOR any medication delivery. 
My name is XXXX XXXX NOT XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( Experian credit reporting ) as ACCURATE INFORMATION by Experian. 
I disputed this information by phone, mail and online with Experian XX/XX/XXXX, file # XXXX with proof of my ID of identity and fraudulent account. Experian was contacted by phone, mail, online dispute received of my ID, police report of ID theft XX/XX/XXXX, case # XXXX, FTC theft report # XXXX and contact was by mail and phone to both XXXXXXXX XXXX XXXX XXXX of fraud/ ID theft. 
To NO prevail, Experian continues to report fraudulent, ID theft and inaccurate information as " VERIFIED AND ACCURATE. NOTE : Experian along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is now with due diligence that government intervention is necessary in these fraudulent, credit harmful information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: DE
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 recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer 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 explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2018-05-03
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX.  I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-05
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021 I closed on a XXXX XXXX XXXX XXXX XXXX loan 30 year fixed with company LoanDepot.Com. Through the course of the pandemic I faced a hardship and exercised my rights under the CARES act to request a 12 month forbearance. At the end of my forbearance period I requested a Covid 19 Flex Modification to add the payments to the back end of the mortgage. This is what was explained to me that I could do at the time i requested my hardship forbearance in XXXX of XXXX when the hardship was over, the company denied my covid 19 flex mod. They told me it was denied bc it was an asset loan and that i needed to provide them paperwork showing them it was a XXXX XXXX loan. I did, they told me two monthsafter my request that they had sold my loan and purchased it themselves. This is now longer considered an XXXX XXXX govt loan protected under the CARES act and they want the 12 months back payment in full. I do not have the money and they are threatening to foreclose on my property. This seems illegal to purchase the loan back one month prior to being able to request the flex modification and have them foreclose on my home. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
My ex husband totaled the vehicle from this lender in XX/XX/XXXX, no one explained gap coverage when I purchased the vehicle. The account was closed and charged off, it's been in that status ever since. Last week or so, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by XXXX XXXX XXXX XXXX XXXX ( a collection agency who purchased someone's debt from PayPal ) regarding a delinquent PayPal credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from PayPal credit from XXXX with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: DE
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 recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-10-24
Company: TransferWise Ltd
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an account online bank named WISE. In the past week, they have deactivated my account and held my funds without any notification or explanation of the reason. Upon contacting their customers ' service mentioned that they have very limited access to the account information. I have to appeal but after appealing I haven't had any accurate answer on how to recover my own money. So it looks like a scam bank that steals money from people working so hard to earn some living

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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've been sending them letters via mail for several months now but credit reporting agencies are not responding nor providing any resolution to this ongoing issues concerning these invalid and misleading accounts they have published on my credit files. I just need these entries to be removed immediately, as these are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In my original Complaint, Number XXXX, against Wells Fargo , I confirmed my identity to the first call-taker and was told that the restriction on the {$5000.00}. deposit was removed. The next day, XX/XX/2023, I again contacted Wells Fargo and this call-taker informed me that the restriction was not removed, and that she was now removing it. 
While I was online with this call-taker, I checked my account and saw that the deposit was not honored, and I informed the call-taker. 
She then proceeded to tell me that the {$5000.00}. deposit was cancelled. 
In a Wells Fargo 's subsequent letter to me, it was stated that they were not able to confirm that I authorized the activity, and restricted my access to online banking, ( of my checking account ). 
Truth be told, I informed Wells Fargo that I authorized the deposit activity. 
I did so more than once. My acknowledgements were totally ignored. 

I had requested that the deposit be reinstated, which was also ignored.

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 2023-05-10
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: Account information incorrect

Complaint:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to let me dispute an account. They said by law and they cite the law, I can only dispute something one time. 

They have an account on my credit report that was sold to a collection agency 2 years ago, however the account is still listed under the original account holder. 

I want the account holder who sold the account added to my report as that would CORRECT credit reporting and the new owner listed. Therefore I can contact the new owner to resolve this. 

As it stands now the current owner, has no record of this account and have since been mailing me offers of new credit/catalogs. 

Experian seems to be the XXXX XXXX XXXX XXXX, that does what they want and makes up their own illegal rules and they do not comply with Federal Law.

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 2018-10-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried adding my card to XXXX XXXX  on XX/XX/2018. I got a message to call for verification. 
I called in, provided all the information I was asked to provide. 
Agent asked me for a home landline to verify my ID. I dont have a landline home number and didnt provide one when I applied for the card. I was told they cant use my cell number to verify. 
The other option was to verify using another card I have with Citibank. I dont have any other cards with Citibank! 
So now Im locked out of my account and the only two options I am given are either to get a landline phone number registered to my name or have another card with Citibank. 
Who thinks up these asinine rules? Landlines in 2018?! 
I just want to be able to use the card I applied for and was approved for.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is is reference to account # XXXX {$2900.00} this account is reporting on my credit and does not belong to me. I am requesting a removal of this account from my credit 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2022-01-08
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a customer of XXXX bank and payment order for XXXX XXXXon XX/XX/2021 and was debited from my account on that date later it was rejected not the cause for that but it was never credited again in the account and the bank does not give news despite the claims. I am not a national and I find it very difficult to understand and communicate.attached information Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX or 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 monetary relief
Consumer complaint received 2023-05-10
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:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

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 2020-09-24
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine

Company response to consumer: Closed with explanation