BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
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: Account status incorrect

Complaint:
Following a recent review of my credit report at the XXXX, Experian and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

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 2019-11-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Wells fargo educational services is servicing my account and I just realized that it is a variable rate loan. Wells fargo has charged me late fees and reported to the credit agencies as delinquent. My problem is that there has been no communication sent to me in regards to the change in rate and they just send out statements with new amounts. I have been lazy to look into this but It would be surprising to me to know that they are not required to sent out notices of rate changes? If so, they are charging late fees and reporting me as late even though I have on time payments for years. 

I am frustrated to learn that Wells Fargo due to no notifications that they may be making a large sum of money from late fees over a simple letter that would notify the consumer of this change. Is a notification required? If so, I would consider my contract null and void with them. We will never get out of these loans if they continue to pry on the consumer and take advantage of us day in and day out. I have paid into the loan since 2011 and on a {$21000.00} loan I still owe Wells {$19000.00}. Wells However, has made {$16000.00} on my loan, that is criminal, I should be close to paid off at this point. 

Please help!!

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 2022-01-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine

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 2022-01-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX with a fixed rate conventional mortgage loan for an amount of {$150000.00}. My mortgage has been sold multiple times from XXXX XXXX, to XXXX XXXX, XXXX XXXX and now Select Servicing Portfolio ( SPS ). It is currently XXXX and according to SPS my principal balance with over 15 years of timely payments is now {$150000.00} and my principal continues to increase every year even though I'm current on my mortgage. I would like to have my mortgage account audited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent multiple letters to Transunion regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-02-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, XXXX and Equifax, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two certified mail to med-1 solution requesting Debt validation without respond. Signed prove of delivery is attached. In regards to Med-1 response to my previous compliant, we did contact the court. They must verify the debt that they are collecting on if requested, and we have not received that. Or they must have prove that they sent this information out previously. Collection should be stopped until this information is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge... XXXX  XXXX Date Opened : XX/XX/2006 Balance : {$0.00}

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: CT
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 contacted Experian on XX/XX/XXXX about the following accounts ; XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} Experian has failed to verify these fraudulent accounts on time as they are required by the 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 non-monetary relief
Consumer complaint received 2019-12-28
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX at XXXX XXXX is trying to balance bill a XXXX patient after XXXX paid them for the hospital stay in XX/XX/XXXX. I meet my deductible so I had no copay. They are balance billing me for the remainder of the bill which is {$32000.00}. In XXXX I tried to resolve this issue and it on record with XXXX about the balance billing. XX/XX/XXXX I received at debt collection letter for money owed by CMRE Financial Services. Which I  was told by a XXXX XXXX that I was going to be sued if I do not pay the money and was told that the hospital was allowed to balance bill me because the law states they could. 
Also received a debt collection letter from same company stating I owed {$3300.00} for services in XXXX at same hospital. As I and XXXX and XXXX have tried to straighten out the fraudulent billing XXXX XXXX at XXXX XXXX Hospital would not cooperate with XXXX in their investigation I received a letter from XXXX that the hospital would not respond to their request and the debt was not mine. 
So I tried to resolve these matters in XXXX and XXXX think that they have been resolved since I have not heard from the hospital till I just received two collection notice 's and a treat to be sued for debt that's not mine and have been reported to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got bill from XXXX XXXX XXXX XXXX and I paid the bill on XXXX/XXXX/XXXX but my paid account was send to Hunter Warfield collection for the same bill.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking city bank about all the recording call from my cellphone 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 2018-09-13
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: Account status incorrect

Complaint:
Following a recent review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX  XXXX  ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

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 2022-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found XXXX credit cards opened fraudulently in my name. 
XXXX from XXXX Bank, XXXX from XXXX, and XXXX from USAA totaling {$25000.00}. 

When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. 

I contact the banks immediately, asked for the application - I was ignored. 
I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. 

My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple attempts to dispute have come back as verified. Request for method of verification ignored.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account XXXX : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in 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