BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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:
XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across Experian, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2019-03-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a vehicle. Wells Fargo was the lender. Wells Fargo repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over XXXX dollars. Wells Fargo will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from Wells Fargo I have the option of seeing an attorney to pursue legal action against Wells Fargo. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over XXXX per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is Wells Fargo mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for Wells Fargo to delete the item from our credit reports. Thank you

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
I am name is XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received numerous repeated calls from IC Systems in attempt to collect XXXX. Finally realizing what was happening, I called on XX/XX/2020 at XXXX XXXX, and said it was not a valid debt and I did not wish to be contacted in any capacity in the future. After this, I still received email messages and calls. I want these stopped.

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 2023-01-27
Company: Remex, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Remex Collection Agecy reported me to XXXX and XXXX for a medical bill in the amount of {$210.00}. 
I have never received a bill, I have received no correspondence from Remex, asking for payment for any services. 
I called them repeatedly on XX/XX/23 and tried to find out what services I owe this money for, what my account number was, etc. I got their contact info from my credit report. 
I would like this investigated as I do not want to fall victim to Unfair Collection Debt Practices. 

The contact info for Remex is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone Number : XXXX Thank you, I am sorry that I do not have any more info. 
My contact is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2018-10-18
Company: EQUIFAX, INC.
State: TN
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 a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters placed a collection account on my credit report XX/XX/XXXX. 
I called the company within days after finding this inquiry on my credit report and requested information about the collections ; was told it was from XX/XX/XXXX. I advised the rep that I was XXXX at the time and also stated this is a fraudulent account and requested it be removed-I was advised by another rep that they talked to someone other than me within my household about this debt on multiple occasions and was told that they will not remove this account. 
Upon reviewing my XXXX report a little further, I have seen multiple payday loans taken out in XX/XX/XXXX which are NOT mine and I have no knowledge of, but these have not been reported as collections. 
I have sent a request to the credit bureaus requesting investigation on removing this account from my credit report. 
I have also made a Consumer Complaint to the FTC regarding Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am the owner of an HELOC with Citizen 's Bank. On my XX/XX/XXXX Statement, there was a variance of {$380.00} from my " Previous Total Balance '' to my " New Total Balance ''. I wrote to the company at the address provided for " Correspondence, Error Resolution & Information Requests ''. No one wrote back to me. On XX/XX/XXXX, I called the customer Service line - as the " error '' was no carrying over for the fourth statement in a row ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & now XX/XX/XXXX ). 

When I spoke with the representative I was told that the variance was comprised of {$350.00} " Prepayment Penalty Fee '' and a {$34.00} " recording fee ''. At that on the XX/XX/XXXX statement I would now see that the statement wording had now been changed from " Total New Balance '' to " New Payoff Balance ''. While I was able to confirm that there is a {$350.00} prepayment penalty in my loan documents, but I am concerned that I am now paying interest on the an correct principle amount. 

The documents are not clean and easy to understand. Additionally, XXXX XXXX customers ( I am assuming I am not the only one ) were not alerted in writing when this " change '' occurred on their statement. It did not sound like this was the first time that the customer service rep was answering this type of question. I was also not provide with any proof as to why I am paying a {$34.00} " recording fee '' for something that hasn't happened. Also, I can not find a reference to the {$34.00} recording fee in my loan documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX - I spoke to someone on XX/XX/XXXX2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why XXXX filed a derogatory mark under my credit report with Transunion. I called XXXX about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I looked in to my credit report and notice that a company called XXXX XXXX XXXX XXXX is reporting missed payments I do not know the company and ask for Experian to verify company but there lack of effort in to looking in to the matter was pointless due to them hitting a button saying verify when they have yet to show proof of documents to me 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
Consumer complaint received 2019-03-05
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor Name XXXX XXXX XXXX XXXX  Opened XX/XX/, 2015 ( 3 yrs, 8 mos )  This is Probably the wrong Date and also they have not validated my details l asked. How much l paid and what type of contract it was. It was not a contract but Month to month and hence should not be owing. 

Tried asking for details on how much was paid and how much the contract was and proof of the signed documents to verify what they state l owe and nothing has been shared

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed an EFT claim with Wells Fargo Bank. The claim was investigated and It was determining that an error did occurred on my account. However my account was closed with no explanation and I was told that I can not open a new account with Wells Fargo. I would like an explanation for the closure & an explanation as to way am not allowed to open a new account. I strongly believe that Im being profiled & labeled by Wells Fargo Bank base on my age & race.

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 2020-07-15
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ Ross Associates collecting for XXXX XXXX XX/XX/2016 Paid Debt Creditor Refuses to Remove debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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:
Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX XXXX This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from 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 non-monetary relief