BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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:
Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on Experian and XXXX, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021

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 2019-06-26
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have tried several times to get a collection account off of my credit report with the 3 CRA 's. The account is XXXX XXXX XXXX. I have sent a letter from the original creditor which was XXXX XXXX showing a XXXX  balance. This account was paid in 2017! The letter states I own nothing but yet XXXX XXXX XXXX reports it as a collection account. I have filed a complaint against them also. I was told by Transunion rep. that even though they have documentation showing I own nothing they can not remove it unless XXXX XXXX XXXX says I own nothing. SO my letter states it's paid I do not own it! but yet it keeps showing up on my reports!!! How can that be legal? If you have written proof that the original creditor was paid in full how can a collection agency state you still owe it. He said if credit protection asso. comes back and says I still owe it then it stays on my file!!! Even though its paid and they have proof!

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 2022-03-08
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I moved into an apartment in XXXX XXXX XXXX XXXX  called XXXX XXXX and a few months after moving in I went home to XXXX  for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him. 
He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing IncXXXX has been attempting to collect a debt for XXXX that my son incurred several years ago. They have filed nonpayment reports with the credit agencies in the past which affected my credit score ( see CFPB XXXX number : XXXX and CFPB XXXX number : XXXX ). Both cases were resolved in my favor when it became evident they had the wrong person. They are trying to collect this debt again under the Convergent Account # XXXX and I am concerned they will use the same tactic with the credit reporting agencies. Please put a stop to these insidious tactics once and for all. My wife and I are elderly and in poor health, we do n't need to deal with an issue like this when our credit score is stellar and this company is purposely trying to get the money from us instead of our deadbeat son.

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 2019-08-06
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported an identity theft to Federal Trade Commission on XX/XX/2020 for Wells Fargo Credit Card. This account does not belong to me. The amount is {$9600.00}. I reported this fraudulent activity to XXXX XXXX XXXX on XX/XX/2020. Wells Fargo continues to report the account as negative on my credit report in error.

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 2022-03-08
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: Account status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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 have been monitoring my report and I noticed that my credit score went down to 10 inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

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 2020-02-09
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.

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 2021-10-20
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent 2 validation letters ( XX/XX/2021 and XX/XX/2021 ) to Penn Corp to validate the debt. I send both letters certified and got confirmation they received them. Both times they did not validate the debt, I requesting documents with my signature, specific dates and procedures if any was done. Both time they just send me a copy of a bill, that could be anybody 's bill. They did not validate the debt. At this time I'm requesting the get these removed off all 3 credit bureaus, for lack of validation. The company has not provided me with any proof of the debt other than a random bill. The name on the bill is not mine and the address on this bill also is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One credit card which advertises no foreign transaction fees. I traveled to XXXX in XX/XX/2019 and made several purchases using this card, charged in XXXX   dollars. The XXXX  dollar is pegged to the USD with a FIXED exchange rate 2:1. Still, my statement shows that all the transactions made in XXXX  dollars were converted to USD applying a markup. 
While the difference may be small, I'm concerned about Capital One applying a markup after clearly stating that there are no foreign transaction fees. I make multiple transactions in foreign currency every year, in currencies with variable exchange rates where markups are much more difficult to spot. 
I was unable to get an explanation on the phone, and Capital One does not have a chat or email address to request an explanation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Credit report contains eviction notices from XXXX, XXXX, XXXX, XXXX that need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from XXXX XXXX telling me to dispute a collections claim for XXXX XXXX. Ive never or opened an account with this company. The collection company is requesting {$1200.00} dollars for an unpaid bill for an account Ive never opened. I contacted duke energy and was told to start the dispute process. XXXX XXXX stated the account is closed due to non payment but did acknowledge to file that it was opened fraudulently. I will be filing a police report for this fraudulent activity as well as continuing the process to get this collection/debt off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report ( Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgments or tax liens. A Bankruptcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this Complaint will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court local to me, in order to formally defend yourself.

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 2021-10-20
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my bank sent my mortgage to a new servicing company in XX/XX/2021, my escrow account was short money. I complained and they said they found an error. They also raised my payment for escrow when it should have went down due to a reassessment on my property taxes. I provided them this information and they still raised my payment. My escrow account is not managed properly and I believe they are stealing money. I have asked for a statement with all monies paid into the escrow account and all monies paid out of the account to no avail. It has been weeks now. 
I want to know where my money is.I have ALL statements and receipts for all monies paid into, and out of, the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1 ) Capital One has placed secret " Remarks '' not available to the individual consumer credit card holder noting that the individual filed a dispute. 
2 ) Capital One has maintained this information on file with the credit bureaus for more than 8 years. 
3 ) Capital One reports a XXXX balance on the now closed and previously inactive account since XX/XX/XXXX. 
4 ) Capital One refused to remove the remark and could not tell me what is was about or why is remains on the Credit Bureaus records. 
5 ) Capital One 's practice violated the Consumer Finance Fair Credit Reporting Act due to its secret nature, these remarks imperil my ability to procure a mortgage loan, these remarks impose a chilling effect on the consumer 's rights to dispute a financial transaction, these practices are causing the retention of information older than 7 years. 

I note that my XXXX FICO score is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: U.S. BANCORP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 
2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction.

3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 
4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 
5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute.

6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 
7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 
8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder.

9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 
10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.

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 2021-11-05
Company: Southwest Credit Systems, L.P.
State: MA
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:
XXXX XXXX continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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: Information belongs to someone else

Complaint:
I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX ; XXXX and Transunion are reporting incorrectly a balance of {$510.00} on the XXXX XXXXXXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my XXXXredit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

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