BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached scanned documents for report number XXXX. All the pages show this report number. on page 2 of 12 it shows XXXX XXXX AND XXXX XXXX   updated and i would like to see the documentation for these updated accounts. Also i have attached the letter i sent experian on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XX/XX/XXXX and i only received a credit report that says updated and no proof.On page 5 of 12 the accounts is reporting twice with no full account number, different balances, different report dates, different monthly payments, no high balance, different statuses, different date of statuses, and different payment history. This is a violation of the FCRA.On page 7 of 12 portfolio recovery is reported as paid and i never paid this company and they should not be on my credit report. On the attached scanned on page 7 of 12 santander have late payments that was not late and i have not beeen shown any proof.Also XXXX XXXX IS REPORTING AGAIN ON PAGE 7 OF 12 WHICH IS A VIOLATION OF THE FCRA.ON PAGE 4 OF 12 XXXX XXXX IS REPORTING TWICE WITH NO FULL ACCOUNT NUMBER, RECENT BALANCES REPORT TWO DIFFERENT DATES, STATUS REPORT TWO DIFFERENT DATES, AND TWO DIFFERENT PAYMENT HISTORY WHICH IS VIOLATION OF THE fcra. THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBER BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the  consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. Experian was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.

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 2017-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX/XXXX/XXXX customer XXXX XXXX rented our vehicle. She provided a XXXX XXXX which we charged {$50.00} toward the rental agreement. On XXXX/XXXX/XXXX we successfully won the first chargeback attempt. On XXXX/XXXX/XXXX we received a second chargeback and Bank of America Merchant Services will not allow a dispute. They have refused arbitration. All documents show this is a valid car rental.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-08-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was hospitalized, had XXXX, XXXX XXXX into my XXXX, developed XXXX, the hospital call for air transport knowing that I had no insurance and so did the air transport. i am now XXXX, have XXXX   due to XXXX damage. XXXX XXXX excused debts and granted me one year of follow up treatment. At the end of that year they attempted to collect the debts. The doctors that were used thru XXXX. XXXX should have also been excused through their letter. I live on a very fixed income and try to work part time just to keep up with the expenses that have come with the XXXX equipment and co-pays of medication that i now have to take, I tried to get XXXX and was denied. Finally got it after i was released from the hospital but would not cover any of the hospital bills, I paying off other bills that were necessary after this. Had to have some expensive blood work done to try to determine high white blood counts. almost have them taken care of. These debts were excused by XXXX XXXX and then brought up again. I ask that they stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.

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 2023-02-19
Company: WELLS FARGO & COMPANY
State: CA
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 had spoken to XXXX XXXX XXXX. Office Case Specialist on the phone. She told me to contact the Credit Bureau & request them to send my XXXX credit report to me, that she claimed would show that Well 's Fargo submitted my paid second mortgage to them in XXXX. The credit Bureau informed me that they have no record of Well 's Fargo submitting a paid mortgage in XXXX I relayed this to XXXX over the phone, Received a XXXX  from her dated XX/XX/XXXX, XXXX along with copies of my prior complaints regarding my mortgage Refusing to give the Credit Bureau my paid 2nd Loan as being paid. Has Nothing to do with my First Mortgage which I'm still trying to locate as being paid off too. Thank you 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 2021-11-03
Company: Nelnet, Inc.
State: NC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

2. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

3. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

4. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: IL
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 A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX IL XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with TransUnion and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2018-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

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 2018-07-31
Company: Terrill Outsourcing Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In mid XXXX I received a letter from XXXX XXXX, a company I admit I owe money to, informing me the debt was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for XXXX XXXX and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: IN
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:
I have wrote Experian many times XX/XX/2019 to XX/XX/2019 explaining that one of the accounts is not mine showed them documents proving that the account belongs to someone else I was an authorize user but no longer would like this removed but refused or ignored. 

Report Number : XXXX Account Name : XXXX XXXX Account XXXX Balance {$4000.00} This is their response : XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your 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 2021-03-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MB financial sold my mortgage to fifth third bank in XXXX. I paid faithfully since XXXX when I bought the house. I received a letter in XXXX saying my taxes were not paid for 3 years. Fifth third bank held my escrow account money and never paid my taxes for 3 years. I received a letter saying they paid XXXX for the whole 3 years of taxes finally and now wants me to pay back my own escrow acoount the XXXX XXXX dollars. They also raised my mortgage from XXXX per month to XXXX per month! What did they do with 3 years worth of my escrow account money?? Now I will lose my home????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: DISCOVER BANK
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 been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XX/XX/XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XX/XX/XXXX acct no XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Bank of America Escrow department denying removal of escrow due to loan to value being 96 %.

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 2020-10-18
Company: Bread Financial Holdings, Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting an account from XXXX XXXX that do not belong to me. Experian refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Experian failed to provide me in the dispute results ( XX/XX/2018 ) physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify this account belong to me. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

Experian is reporting a Chapter XXXX Bankruptcy in my public records. I have never file Bankruptcy and I believe I'm a victim of mistaken identity. Once again Experian will not conduct a reasonable investigation other than using their XXXX - XXXX system. They will not provide to me their method of verification that 100 % positively verify this Bankruptcy belong to me. I had a similar situation with another Bureau agency and after an investigation they deleted it from my credit file.

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 2018-10-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.

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