BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.

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 2021-11-06
Company: EQUIFAX, 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:
I have sent Equifax multiple requests asking for them to identify the random account number they have listed without a name for the original creditor or the collection company they claim owes the debt. It is the XXXX XXXX XXXX 's job to provide consumers with fair and accurate consumer reports. When requested, why is Equifax not providing me with the information I am requesting on an account they have decided to add to my report with no accompanying information? This is not fair and accurate reporting and this account needs to be removed for its inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX 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 2019-05-17
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I CALLED MY FAMILY DOCTOR AND ASK THEM ABOUT WHY IM IN COLLECTION. THEY STATED THEY DI'NT HAVE ANY RECORD OF THE COLLECT ACCOUNT. THIS COMPANY HAVE {$90.00} COLLECTION ON MY CREDIT REPORT. 

BUREAU  OF  ACCOUNTS  CON  XXXX XXXX XXXX XXXX XX/XX/2017 {$90.00} {$90.00} XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed with the company on XX/XX/XXXX. The dispute was sent by certified mail which shows the company receiving the documents on XX/XX/XXXX. It has been well over the 30 days the FCRA gives the company to respond. It is now XX/XX/XXXX and I have yet to hear back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Subject : Disputing Information in Credit Report To Whom It May Concern : I hope this letter finds you well. I am writing to dispute the following information. 


I am a Bank of America customer for more than 8 years. As you see on my credit report ( s ), I never had late payments in my life. I used to have an Auto Pay based on the statement balance. I have had this credit card ( XXXX ) since XXXX and it was set on autopay for recurring charges. I left the country for 3 weeks and checked the Auto Pay in XXXX. Unfortunately, due to a glitch on the international IP of the Bank of America website, my auto payments didnt kick in. I didnt realize that until I am back XX/XX/XXXX, when Im back. I paid it immediately for sure. I called the Bank of America and they waived the fees and interest charges due to technical glitches on their Bill pay page in the XXXX XXXX. After the investigation, It turns out their system changed my residential address and cut the autopay. 

They didnt remove the delinquency due to their mistake. It hurts my credit applications. This should be a goodwill adjustment but its a bad-will adjustment on their side and this should be illegal. Please help me to remove this delinquency report from my account as soon as possible. Thank you! 

I have copies of the record of payments made, the waivers, and the error code on their website supporting my request. Please reinvestigate and remove this delinquency report from my records as soon as possible. 

Thank you for your time and consideration! 

Sincerely,

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 2019-05-17
Company: EQUIFAX, 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:
This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX  fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MO
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:
This is my XXXX  attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court XXXX XXXXT XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX 2019

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 2021-11-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from XXXX XXXX XXXX  stated they violated my rights based on California Consumer Privacy act by selling my information to PYOD which is a collection agency. XXXX XXXX XXXX  nor PYOD has no information to prove that it is mine and not paperwork with my wet signature on it. Also my FDCPA laws that protect me was violated based on 15 USC 1692 A ( 3 ), 1692 A ( 5 ), and1692 A ( 6 ). In return, it has lowered my quality of life and causing to pay more to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX and then again in XX/XX/2018 I submitted evidence in a dispute to Experian that I was a victim of Identity Theft. The response to my dispute was limited in action and results. Despite, follow up both by mail and phone dispute I am afraid I at a dead end, in a matter that has cause my personal financial life to be in disarray.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage aka Mr. Cooper has my mortgage payoff funds in their possession for about {$92000.00} to pay off my mortgage since XX/XX/2019. They will not apply the funds to the account due to some technicality. They are reporting me as late to the credit bureaus for 6 months.This matter has now caused irreparable damage to my credit. My credit card companies are now closing my accounts due to " serious delinquencies '' on my credit report -- -all as a result of this unfair treatment by Nationstar . And, of course when the credit card company closes an account that drags down my credit score even more. To add insult to injury, Nationstar continue to assess late fees to the mortgage account even though they are in possession of the payoff funds. They have offered no solutions to me and continue to hold the {$92000.00} and report me as late. I feel that they operated in total reckless regard for me as their client.They have caused irreparable damage to my credit well-being which I rely heavily on. They have offered no solutions or remedies and told me that they could hold the funds and report me as late for as long as they needed to. They also told me that they would not correct their credit reporting because " technically I was late since I did not make any monthly payments ''. I am totally disgusted with Nationstar and their negligence. I have written and called them too many times to count. Each time I get tossed around like a hot potato and can get no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
stated to REMEX this is a HIPAA violation and the debt is not mine, i was even willing to pay the debt it if it would be deleted from my credit report ( only on XXXX and XXXX ) XXXX deleted it in XXXX, i was told no the would not deleted even if paid {$370.00}, told cedit bureau several times this not my debt and this is illegal to report this inaccurate information on my reports debt is from XXXX but relisted on my report as new account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-02-05
Company: Lloyd & McDaniel, PLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We was referred by XXXX In Florida. We file with the attorney general already. XXXX fail to do a payment arrangement. They also fail for a settlement. We asked for a settlement due to my XXXX. We haven't received notification from your office. We want to settle the account with a payment plan monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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 is missing that should be on the report

Complaint:
I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.

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 2019-05-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving calls from this company for over two years. I do not know the person they are trying to call. I have told them it is a wrong number, but they disconnect the call and call again. When I ask for a supervisor, I am put on hold for over 30 minutes then disconnected. They have refused to remove my number from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Zillow Group Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold my home in XXXX XXXX XXXX, CA to Zillow. Zillow used their own escrow company ( Zillow Closing Services ) to handle the funds for my transaction. 

On XXXX I transferred ownership to Zillow and on XXXX Zillow closing services were scheduled to wire {$270000.00} to XXXX XXXX XXXX in XXXX XXXX, CA so I could close on my new home. 

The funds were sent at approx XXXX on XXXX. But the funds never arrived and around XXXX XXXX it came to light that they were wired to an incorrect location that was set up by a scammer to impersonate XXXX XXXX XXXX and intercept the funds. It doesnt appear Zillow followed their internal protocols to verify the wire destination before sending the funds. The destination escrow company called and left numerous messages for the staff at Zillow closing services with no response in order to make sure they knew the wire destination. 

Zillow acknowledged receipt via email of the correct wire instructions and also acknowledged receipt of an irrevocable demand document which shows the correct wire destination. However the funds were sent elsewhere. 

Currently I have no home to go to and every day I am incurring storage costs for all of my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a check that was presented on my account that I had written to XXXX County. The account I made sure had funds to secure the amount of the check. The check cleared on XX/XX/XXXX leaving a balance in the account at that time of approximately {$4.00} when I checked the account status around XXXX this day. I then went into XXXX and ordered a Tea with the purchase amount of XXXX at XXXX. This left a balance in the account at the time of approx XXXX or so. I then around XXXX went to XXXX where I made a purchase of {$20.00} transferring the exact amount of the purchase into the account to cover the cost. I then made an additional purchase doing the same thing at XXXX and transferring the exact purchase amount as well and did the same thing with 2 other purchases as well. On the morning of XX/XX/XXXX I then discovered Wells Fargo charged me an overdraft fee of XXXX for the check of {$50.00} saying funds were not sufficient at the Time. This was not possible as funds were available and my account had the remaining XXXX in it that I used to purchase XXXX after the check had cleared the account on XX/XX/XXXX. When I called to explain this to the customer service at Wells Fargo they insisted that it was valid and only removed half of the charge from my account. I have had this happen in the past several times with this bank and have already made a complaint because of it and the times of which a ledger goes through in which are not standard banking hours etc and or being charged fees when I know the account was sufficient to cover. I feel this is not an honest and fair business practice and how many other people are being charged in order for the bank to make gains and insisting on The customer being wrong rather than taking responsibility of the mistake

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 2020-11-10
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report and there was unkown inquiry from AMERICAN CREDIT ACCEPTANCE. I did not give written consent to them. I wrote a letter sent it ceritified mail. Asking for proof and verification validation wet ink signature giving the permisible purpose to do so. To send all proofs and supporting documents per FCRA. They sent me a letter blaming another company and they sent no proof. Just a letter say THEY did it but XXXX MADE THEM DO IT. Tat is not the law. I called today was on the phone with operator XXXX for 10 min. She had no file on my name. No accounts no purpose. I waited 20 min for manager he was to busy to talk. I wan this fraudulent inquiry of my XXXX  and XXXX  its hurting my score thus hurting my life. Please remove at once. Thank you P.s as for XXXX they were contacted and had no information. It was too far back they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX   stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt company is asking for payment on a 20 year old debt i never owed.i request for proof that i owed the amount they stated i owed they never sent me anything that show im responsible for a debt they claim i owe.instead they atated they did the investigation and i have to pay tbis debt with out showing me any document.

Company response to consumer: Closed with non-monetary relief