BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX   XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX  Original creditor  XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This hospital debt ( see below ) keeps getting rolled over on my credit report. Debt collection agencies keep buying and selling this debt account. The result is this debt is being reported as a new debt on all three of my credit reports. Leaving it on my credit reports in perpetuity. It is my understanding a debt is supposed to be aged off a credit report after 7 and/or 10 years. I was admitted to the hospital.  I don't remember the exact year I was admitted. To the best of my recollection it was anywhere between the years of XX/XX/XXXX and XX/XX/XXXX. I would have to request the medical records to provide you the exact year. Which I am willing to do if necessary. Below you will find the latest information about this debt pulled from my credit reports. 

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} 0 % paid off Loan Amount {$600.00} Contact XXXX XX/XX/XXXX Collection Department / Agency / Attorney XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX ( tel:XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information onXX/XX/23and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -XXXX XXXX ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance XXXX : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided Capital XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) XXXX XXXX : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : Transunion : 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 If XXXX 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 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 reinvestigation and 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 2020-03-07
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: Was not notified of investigation status or results

Complaint:
Experian continues to report a derogatory ( " Bankruptcy '' ) public record on my credit report, and has failed to provide a complete description of all methods used to investigate my dispute as I have requested. ( See Attached Letter ). Experian has not provided proof that they have gone threw the proper and logical steps to validate my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XX/XX/2023

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 2023-06-07
Company: Uprova Credit, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Started getting e-mail notifications of missed payments to a bank in California that we have never applied for credit nor have we received credit. Try to contact the bank but they require social security number to even talk. It seems like a phishing expedition. 
Started notifying us in XX/XX/2023 via e-mail and text message only. No correspondence by physical mail, which makes this even more suspect.

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 2018-01-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make my minimum payment each month around the XX/XX/XXXX. Then I make a follow up payment to pay down the principle. 

My extra principle payments have not been going to principle, they are still taking a percentage out to go towards interest. I do n't believe this practice is legal. I understand if I pay the interest on my first/minimum payment, but all subsequent payments should be going towards principle and they are not. 

The attached picture highlights the additional payments towards principle and the interest that was taken out of those principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, XXXX and TranUnion more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

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 2022-11-10
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: Problem with personal statement of dispute

Complaint:
I just received my review investigation back from Transunion and XXXX they have stated that everything is 100 % complete and accurate. I would like to receive a description according to the 15 USC 1681i ( 7 ) the accounts listed below are not accurate. The open date and the last payment date, the last date active are not 100 % accurate. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

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 2023-06-07
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Wells Fargo Executive, I am writing to express my disappointment with the bank 's handling of an unauthorized XXXX transaction that occurred on my account. Despite my repeated requests for a refund, the bank has refused to comply, citing federal law. However, I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and I am willing to pursue legal action if necessary. As you may be aware, the EFTA and Regulation E provide certain protections for consumers who are victims of unauthorized electronic fund transfers, including XXXX transactions. Under these laws, consumers have the right to dispute and seek a refund for any unauthorized transactions that occur on their accounts, as long as they notify their bank within a certain timeframe. In my case, I discovered an unauthorized XXXX transaction on my account on [ date ], and immediately contacted Wells Fargo to report it. I provided the bank with all of the necessary information, including the date, time, and amount of the transaction, as well as the name of the recipient. Despite this, the bank has refused to refund the transaction, claiming that I am not entitled to one under federal law. However, I strongly believe that I am entitled to a refund under the EFTA and Regulation E. These laws require banks to investigate any disputed transactions and respond to the consumer within a certain timeframe. Banks must investigate and respond to the consumer within 10 business days. The investigator told me that my online banking account has been logged in from 1 ) Texas 2 ) XXXX XXXX 3 ) XXXX. There was clearly suspicious activity going on with my account and I have been careful with my account. Furthermore, the EFTA and Regulation E provide that a bank may only deny a refund if it can demonstrate that the consumer authorized the transaction or was grossly negligent in safeguarding their account information. In my case, there is no evidence to suggest that I authorized the transaction or was negligent in safeguarding my account information. Therefore, I must insist that Wells Fargo reconsider its position and refund the unauthorized XXXX transaction that occurred on my account. I am willing to pursue legal action if necessary to ensure that my rights are protected. However, I hope that we can resolve this matter amicably and without the need for legal action. Thank you for 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 explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reach out to debt collector and waited for response bearing my signature. no response Yet. 

Acct : XXXX {$810.00} & {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with Equifax and thought I had it updated was reversed back to a previous name on my report. I have contacted Equifax, XXXX and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-03-15
Company: EQUIFAX, INC.
State: MI
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$37000.00} XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX BANK XXXX XXXX XXXX BANK XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a mail from Sequium Asset Solutions , LLC last XXXX XXXX, letter was dated XX/XX/XXXX, reference # XXXX, creditor name : XXXX XXXX XXXX found out from XXXX it is XXXX  ) creditor account # ending XXXX, total due {$64.00}. 
Letter with bold print You are here by notified that a negative credit report reflection on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

I called XXXX XXXX XXXX ) XXXX last XXXX XXXX XXXX staff confirmed that I do not have any pending balance, NO due amount. I informed the staff that I NEVER receive any equipment thus no service at all from XXXX  in my XXXX XXXX address. 

I called Sequium Solutions today, XX/XX/XXXX XXXX XXXX line kept ringing then my call got cut. I called Sequium using another number at XXXX XXXX answered, he informed me that it was indeed from XXXX  for an equipment costing {$59.00} plus tax which amounted to {$64.00} that delinquency was reported XX/XX/XXXX. I told XXXX XXXX am disputing the charge and I NEVER received any equipment and NO service availed in my XXXX XXXX address, I am currently using a different internet carrier.I also told him that I verified with XXXX  and XXXX  confirmed that I do not have any pending balance.I also mentioned to XXXX that if XXXX XXXX was the delinquency date, XXXX  never sent any bill to my XXXX XXXX address that I could have disputed it earlier or XXXX  never sent any mail that showed any documentation that I received any equipment from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief