BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was created not under my authorization account XXXX amount XXXX and account XXXX amount XXXX. I believe both were already disputed as not being my services and removed. As on XX/XX/XXXX account showed back up on my credit history. I have went through I identify theft in the year of XXXX were all information was lost such as id and social security.Taxes were filed and apparently other services used under my name which lead to identity pin being used each year to file taxes. I need these account removed for good due to debt not belonging to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2021-12-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i went to make a phone payment to a company. after i initiated this payment, i got a text msg telling me the payment was not accepted. it was declined. i immediately contacted the company i was making the payment to. and told them since i received notice that payment did not go thru, i made alternate plans to pay, outside of the bank i was using, wells fargo. 

later that evening, the next day, wells fargo was no longer declining this and pulled the {$450.00}. i nor the company re-initiated a payment request. 

when i told wells fargo this is their own error, as i only did the right thing contacting the company, telling them it was declined, made other arrangements, etc., thats done. i can not go back. thats over. 

unfortunately it was not over for wells fargo, they sent payment now telling me to dispute unauthorized transactions, and this is being treated and denied, as if there is some fault of my own, it is not. wells fargo was not to send this payment after telling me they declined it. now they wont give it back and me and the company are good, weve settled the payment. wells fargo needs to give me my money back.

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 2019-12-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX called and identified themselves as collecting for XXXX XXXX  on behalf of XXXX. They said I owed {$500.00} for a credit card from XXXX. I paid it It using my XXXX XXXX  card and the transaction is recorded on my statement dated XX/XX/2019. They hang up on me when I call to follow-up and XXXX XXXX  said they have no record of the payment. This is bank fraud amongst other illegal activities. This is showing up on all three of my credit reports and preventing me from future credit related endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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: Investigation took more than 30 days

Complaint:
I have been trying for many months to get Transunion to provide full validation, method of verification and the co right to collect on this account in question XXXX XXXX XXXX  Account number XXXX. I am asking again for these answers as my rights have been violated under FCRA and fair credit and billing act.

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 2022-09-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am divorced and XXXX. I am a homeowner and my morgage is through Cardinal financial. I did the forbearance because of covid 19. I was not made aware of what would happened when I resumed payments. I am on a fixed income. I went through a bad divorce and I ended up having to pay alot of debt. I had to enter a debt consolidation program to get my loan. I've been paying {$240.00} a month for that. My morgage is now a {$100.00} more because of forbearance. I am struggling to make ends meet as it was. I need my loan modified so I can afford payments. I was not made aware of this at time of taking the forbearance and am struggling now because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Gemini ( a crypto application provided by Gemini Trust Co, LLC ) was down for almost 24 hours on XX/XX/2021 and provided little or no information to its customers. This financial institution has no way of being reached by phone and only provides email support. While financial institution outages are common, the duration of this one without the requisite communicaitons was inexcusable. They boast about their SOC 1 and SOC 2 compliance but arent fulfilling their promise to their customers. 

There were no media reports of this outage, little credible information on their website ( since it was down ) and at times I felt my assets in their safekeeping were at risk. All they could muster is a jibberish email response from their CEO signed onward and upward, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Mortgage Research Center, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Veterans United serviced my home loan. Significant water damage of $ XXXX was found after closing due to the poor VA inspection process. As soon as I reported the damage to Veterans United they disappeared and left me with significant liability. I have put $ XXXX worth of repairs and new appliances into the property and still can not sell the property.

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 2017-10-04
Company: Stanislaus Credit Control Service, Inc.
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:
I disputed online with XXXX Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my XXXX report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want XXXX to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing XXXX a dispute letter from my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the date they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This account should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$6800.00}.

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 explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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:
im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XX/XX/XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XX/XX/XXXX inquiry XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine all these accounts are due to fraud

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 2023-07-19
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion XXXX XXXX have a late payment showing with XXXX Bank. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates 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 2023-07-19
Company: Experian Information Solutions 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:
I am submititngt his CFPB complaint to dispute the accuracy of my credit report the Credit Bureaus present. After reviewing my report, I have identified several erroneous and misleading accounts and personal indormation that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that the Credit Bureaus investigate these items and make the necessary updates to ensure that my credit report is accurate. The following items are erroneous and should be investigated and corrected accordingly : These Inaccurate personal information must be investigated and corrected or removed ; Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX AV XXXX, NY XXXX XXXX As I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance : {$9100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}. I would appreciate it if the Credit Reporting Agencies could provide me with an update on the status of my dispute within 30 days as 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 explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit 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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A complaint is presented to Transunion about the unauthorized inquiry of the XXXX to investigate our credit report for the date of XX/XX/XXXX. We informed you that this investigation was not known and was made with the XXXX car dealer without due authorization. We urge you to immediately eliminate this undue inquiry as it affects an empirical one. We look forward to your quick intervention.Thank you.XXXX XXXX XXXX XXXX Birth day XX/XX/XXXXXXXX XXXX XXXX XXXX Birth day 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 2019-12-16
Company: Experian Information Solutions 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:
Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - experian, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to Experian. Experian requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my 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 2019-12-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called IQ Data international on XX/XX/2019 to pay a debt. When I talked to the representative XXXX, he told me that I could pay the principle amount and have it taken off my record if I was able to pay within ten days of the first payment I made. I made a payment of XXXX $ on XX/XX/19 and planned on making the other XXXX $ payment today XX/XX/19. Now Im being told that if I only pay XXXX $ that I will not have this taken off my record and there will be a remaining balance. When I asked to speak to a supervisor XXXX hung up on me. When I called back and spoke to the supervisor, the supervisor hung up in my face as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
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:
I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or 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 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/22 XXXX contacted all XXXX credit bureaus XXXX, XXXX, & Equifax, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, Equifax reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.

Company response to consumer: Closed with explanation