BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXXXXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO XXXX. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.

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 2022-08-06
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: Account status incorrect

Complaint:
I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: ID Analytics, 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:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by Rushmore Loan Management. Rushmore has been servicing my loan since XX/XX/XXXX and overcharges me every month. As of XX/XX/XXXX, the fraudulent charges from Rushmore reached {$43000.00}. My past due interest is {$94000.00}, unpaid escrow is {$21000.00}, and no past due principal. Totaling {$110000.00}. These figures are from a Rushmore payoff Statement and are consistent with the terms of my loan. However, Rushmore 's XX/XX/XXXX monthly statement states that as of XX/XX/XXXX, my total overdue is {$150000.00}. 
The overcharges stem from Rushmore multiple mistakes and fraudulent acts : 1 ) Overstating the past due amounts incurred before my loan was sold and Rushmore became the servicer. These overstatements are from XX/XX/XXXX - XX/XX/XXXX and total {$12000.00}. 2 ) Rushmore is collecting for a past escrow deficiency of {$21000.00}. This is legitimate. Rushmore bills me at least {$2300.00} each month to recoup this amount. When I do not pay it, Rushmore adds {$2300.00} to my past due amount. That is NOT correct. The past due amount of {$21000.00} remains unchanged and does not grow each month. This overcharge for 9 months is {$21000.00}. 3 ) I do not know what the remainder of the overcharge is. 
I have raised these issue with Rushmore multiple times and they do not address it and don't appear to have the competence to figure out that their systems are making mistakes. Rushmore 's gross $ XXXX overstatement of my past due charges has harmed my ability to be fairly considered for a loan modification. And Rushmore is reporting the overstated charges to the credit agencies, hurting my credit more than it deserves. 
I hired Consumer Arbitration Services to Help me after no success on my own, but XXXX XXXX XXXX is a fraudulent firm. 
A foreclosure sale has been scheduled for XX/XX/XXXX. Even if CFPB can't stop the sale, I need help so that Rushmore stops overcharging me and not giving me a fair shot at a loan modification. 
Also, XXXX XXXX XXXX XXXX  XXXX needs to be disbarred and put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: WELLS FARGO & COMPANY
State: PR
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 called the Wells Fargo Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. Today, XX/XX/2019 I called to XXXX and asked about information on Wells Fargo credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider Wells Fargo is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus

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 2018-02-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Around XX/XX/XXXX, my wife and I opened a line of credit with Wells Fargo bank. 
In XX/XX/XXXX, we paid off the entire outstanding balance ( {$10000.00} ) in one payment, to improve our financial credit standing. To our surprise, after making the payoff, we were notified by Wells Fargo that our line of credit had been closed. We contacted the branch, and were allowed to reopen the credit line, but at a higher interest rate. 
This XX/XX/XXXX, we wanted to pay down the line of credit again. 
In order to avoid what happened before, I went to the local branch to discuss this with a banker. I met with XXXX XXXX at the XXXX XXXX XXXX XXXX branch. When I expressed my concern, she contacted corporate headquarters to inquire about any impact of making a large payment towards the LOC balance. The corporate representative on the phone assured me and XXXX XXXX that making a large payment would neither incur a reduction in available credit, nor a risk of the LOC being closed. With this promise in hand, we paid {$5700.00} towards the {$10000.00} balance. To our surprise, we saw that WF reduced our available credit to {$4400.00}, only days after having made the payment. 
I contacted the branch manager about what had happened, and an executive case was generated to look into why the promise had been broken. 
After not hearing from WF in 2 weeks, I contacted them via phone. I was informed that they have the right to change the terms of the LOC at their discretion, which I know is the case. The reason for doing so, I was told was ; too many high outstanding balances, too high debt to income ratio, too many recently opened accounts and too many inquiries. My credit reports at the time did have high outstanding balances. However, my debt to income ratio was only 25 %, there were XXXX inquiries over the past 2 years and 2 new accounts over the last year. The fact that WF finds that profile to be too risky for them, indicates to me that they are prohibiting a large portion of American consumers, who bank with them, from the ability to obtain credit at nationally accepted rates. 
The whole reason for us to want to pay off credit, was to improve our credit worthiness. Wells Fargo did nothing but damage our credit scores by reducing the available credit, and the unprofessional response I received on the phone when inquiring about this matter, leaves me worried for the consumers who are trying to improve their credit and banking with Wells Fargo. 
For my wife and myself, we are taking our banking elsewhere to avoid this type of unprofessional conduct, but hopefully this complaint can be useful to someone else who are undecided wether to bank with WF or not. 
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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to each Bureau on XX/XX/2020 and I have yet to receive any information about the results. it is my understanding that Transunion, XXXX and XXXX  have 30 days to respond. It has now been over 60 days. I would like my results as requested because they are breaking the laws. the FCRA clearly states that I must have an answer or they must comply with my request.

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 2020-05-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never 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 2021-02-23
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have no knowledge of these inquires and in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please note letter to Wells Fargo employee in XXXX, SD on a XX/XX/19 request to curtail WF overnighting XXXX notifications that are meaningless. Letter to XXXX states the obvious that WF is  continuing to lie as there never was any phone call to my person by his boss not to employ their people for customer service or even enter their bank due to their fraudulent acts. This shows WF 's lack of interest in real customer service and is evidence of their deception and lies. Please note enclosed letter as evidence.

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 2020-05-24
Company: A & O Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying off this debt continuously so much that the actual balance is {$400.00} with a active and ongoing current payment. This balance is also showing multiple times across all credit agencies. Giving a false sense that I have a additional accounts under the same creditor for the same amount. which is causing a gross impact on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24
Company: LCS FINANCIAL SERVICES CORPORATION
State: MS
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:
I received a alert that my credit was pulled for a installment loan. I havent applied for a loan so I called them. I provided my info and she stated it was in regards to a home my ex husband and I purchased in XXXX. I have been divorced from him since XXXX and I also filed bankruptcy which was discharged in XXXX that includes the house. I advised that I didnt authorize them to check my credit and I had never even heard of the company before. She stated something about them trying to collect a debt. I asked for it to be removed from my report because I didnt tell them they could run my credit for a home I havent had since XXXX and again was discharged on my bankruptcy. I was placed on hold then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Seterus, 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:
In XX/XX/XXXX, I entered into a six month forbearance due to damage to my home from Hurricane XXXX. I was told by Seterus that the forbearance would apply until XX/XX/XXXX. I began making mortgage payments in XX/XX/XXXX. Once I began making payments, I was placed into a loan modification program, and was told that my forbearance would be suppressed until the modification was complete. It was my understanding that the forbearance would be applied to the end of my loan and this would not have a negative affect to my credit. Effective XX/XX/XXXX, my mortgage company informed me that a forbearance due to a natural disaster would no longer be suppressed to the credit bureaus. I went from a FICO score of XXXX to XXXX. I have never had a delinquent payment in any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions 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:
On XX/XX/XXXX and XX/XX/2018, I started an investigation regarding Bankruptcy 's listed on my credit report. I sent Experian Letters that I received from the bankruptcy court that they do not report to any credit agencies Experian notified me by mail and closed the investigation on XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

Again, On XX/XX/2018 I faxed over a letter to Experian that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX. 

I've asked for Proof of who tolf them that information and they reverted e back to the court and court said they they did not provide the nformation. 
Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.

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 2018-09-24
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my credit report is showing I have a XXXX XXXX bill for XXXX from XX/XX/2018 I do not kown about this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I am not liable for this debt with XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!

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