BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 )  They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NY
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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : You Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments. They should all be removed from my consumer report under 15 USC 1605 ( a ).

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right 15 USC 1605 ( a ) in small claims court in my city and state under 15 USC 1681n civil liability because I have been violated. Also, I already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: Their investigation did not fix an error on your report

Complaint:
Investigation fixed prob except for 1 item

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
First of all I have been having to fight with them over a year now on specifically thes3 two creditors XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX XXXX. LIKEWISE THE KEEP ALLOWING UNAUTHORIZED ACCES TO MY CREDIT REPORT AND POSTING UNAUTHORIZED/non permissible purpose inquires onto my report all hurting my credit score and causing my financial stress and d3cline of credit. 

In reference to both remaining collection accounts, I have sent numerous letters XXXX XXXX XXXX and XXXX XXXX/XXXX  - validation letters and eventually lawsuit letters For violating federal law, FDCPA, numerous violations. XXXX refuses to respond. XXXX has admitted they can not find a signd agreement and have no such agreement, contract or debt signature bearing my signature and therefore can not verify or validate said accounts according per FTC guidelines oe required under law. As such both XXXX and XXXX ha e removed these from their credit reports as allegged accounts cannor be validated or properly verified per law and the FTC. Yet after telling Transunion this, communicating that these entities can not and did verify and validate these alleged accounts bor did they have the becessary documentation via signed contract or agreement bearing my signature thry continue to report this. Likewise, i sent them copies of letters i have sent via certified mail and fax to these entities as well as copies of letters to themselves and the Consumer Finance Protection Bueau complaint and responses where thry admit not being able to find an account, Transunion contiinues to post these two bogus, fraudulent entries into my report causing me credit issus and deflated credit score Another continued issue is the illegal reporting of unauthorized credit hard inquiries on my report. Not only are there ones they have been notified and inaccurate and disputed numerous times with themdling nothing, they now have allowed more as of XX/XX/2019 to occur and report that I did not authorize and that do. Not have my permission. I have called each of these once i found there by my credit monitoring and were told they can not provide me my authorization or application with my signature or approval one that did not fit but just showed up is XXXX, XXXX XXXX XXXX XXXX that I did not apply to

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 2020-12-03
Company: Experian Information Solutions Inc.
State: MN
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:
I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

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 2019-02-19
Company: Stearns Ventures, LLC
State: UT
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 applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Got calls to my cell phone from portfolio recovery XXXX. They didn't leave a message, refused to tell me who they were trying to reach, when I asked for no more calls I was told they can only remove a wrong number but again refused to tell me who they were looking for. I provided my first name only in case it's a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. 

In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX  XXXX  are in the XXXX zip code. 

After 5 days, Discover financial requested a revised XXXX which I submitted immediately. 

Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. 

I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. 

Discover Financial did not make a good faith effort to verify my information and closed  my account, adversely affecting my credit score and financials, dropping my score from XXXX  to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.

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 2020-01-22
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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( TRANSUNION XXXX AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY 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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe I and my aunt, XXXX XXXX, are the victims of identity theft. TRS Recovery Services, a Georgia business, has contacted me repeatedly regarding an XXXX transaction for {$29.00} entered into by my aunt. I had nothing to do with the transaction, I but received several notices from TRS as a collection agent. I disputed the charge twice by letter, but TRS continued to contact me. We called to dispute, but TRS did not desist with collection notices. My aunt then paid the claim to make it go away, and then her bank account information was stolen and used in many foreign countries the same day. I have copies of all letters from TRS as well as proof of payment ( even though we disputed the claim ). I can provide all the documentation. I believe this company fished for my aunt 's bank account through a transaction on XXXX that I had nothing to do with and then stole her identity. I would like TRS to stop contacting us, especially since we paid their false claim even though we did not owe it, and not harm my credit history at all. I am only XXXX years old and did not have anything to do with any XXXX transaction and don't wish to have my ability to obtain credit in the future harmed in any way. Please let me know if I can email or fax all documents to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: U.S. BANCORP
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:
I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name

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 2018-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made onXX/XX/XXXX.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: Credit Corp Solutions Inc.
State: AZ
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:
I received a letter from Credit Corp Solutions on XXXX XXXX, XXXX. It says they are writing to inform me of my account being referred to their pre-legal department. They have been unsuccessful in establishing a resolution to my account and have not received any significant payment from me to reduce my outstanding balance of {$2600.00}. Please note that your account meets our legal referral criteria and is eligible to be referred to an attorney. If payment is not received we will be sending your account to a law firm to be reviewed by an attorney for possible legal options. If you are unable to make the full payment or have any queries in relation to your account, you should contact our pre-legal department immediately working reference # # #. This communication is from a debt collector. This is an attempt to collect a set and any information obtained will be used for that purpose. 

I received a call in XXXX to settle this debt from XXXX XXXX. While I was on the phone with the credit collection agency, not sure if the same one, I set up a payment plan to pay off this debt. I believe I have already paid on this debt.

Company response to consumer: Closed with explanation