BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to the three credit bureaus. XXXX, Experian and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.

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 2023-01-22
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXX, XXXX WELLS FARGO XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..

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 2019-02-09
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was billed {$100.00} by US Bank as a garnishment fee

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 2019-02-09
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
I had alarm services with XXXX XXXX XXXX and there were constant issues with the service and after notifying XXXX XXXX XXXX that I wanted to discontinue services, they suggested that I keep the services and notify them again at the end of month. This was around XXXX and XXXX. I figured that because I could not get internet connection, interruptions, and faulty alarm systems that the services had been discontinued from my initial request. 

The following collection accounts have negatively impacted my credit scores and because of the service failure from XXXX XXXX XXXX and overall negative experience, I would like these deleted from all three credit reporting agencies. I also was not properly set up to access the actual account so I was surprised when I was contacted about these collections after two years. 

DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX Diversified : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX 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 2019-02-09
Company: Monterey Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Account status incorrect

Complaint:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

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 2020-05-07
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, On the second day after the COVID-19 forbearance was announced I contacted Ed Financial Services via their customer questions form. I did this because I couldn't get through on my first calls and they had not updated their information like my other student loan lender XXXX. I checked back for weeks and they never updated the site, saying information was coming soon. This is why I attempted to get this filed electronically. 

However, they claim I failed to make payments and have filed a report with every credit bureau. This is the first time I was alerted to a problem. Unfortunately due to the amount of telephone fraud I do not answer my phone, preferring communications I can login and verify prior to giving up personal information. Also, it appears the number they call me from is marked as spam by my cellular provider XXXX. The last email I received from Ed Financial was in XXXX long before the covid-19 bill took effect. 

They now have corrected the error with the forbearance but are refusing to fix the ding on the credit reports. This negatively impacts my credit score, ability to buy a house, apply for loans or reduced interest rates. Prior I had a perfect credit history in this regard. 

I simply want the false negative records on my account removed and to have Ed Financial take some responsibility for not taking customer service communications seriously. They could have emailed and I'd have dealt with it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: WY
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:
At some point in history, Equifax changed my ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... when in fact it is XX/XX/XXXX.. Have talked to countless representatives from XXXX ( ? ), numerous faxes were sent over the past 4 weeks that included my birth certificate, social security number, drivers license and a utility bill trying to get my information corrected so that My family and I could continue with the process of getting a mortgage. Even created an account with the Equifax membership program to resolve this issue. All these efforts have actually changed my sons ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... instead of his XX/XX/XXXX actual date of birth. Again, sent information that confirms his identity .... How do I fix this??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: ORG GC GP Buyer, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. 

I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX & Experian continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, Experian has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX ( XXXX. XXXX ) United States District Court for the XXXX XXXX of Virginia ) ) I am requesting CFPB investigates these matters ... 

XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Since XX/XX/XXXXof 2019, I have sent several certified dispute letters to the Transunion consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Transunion has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XX/XX/XXXX at   XXXX XXXX tracking ( XXXX ) was one of several letters received from Transunion on my behalf. It has been 6 months and Transunion still has yet to provide any supporting correspondence or documentation in regard to any on the dispute letters they received on my behalf.

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 2020-05-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've had my credit frozen for 1.5 years due to extreme identity theft. I had to lift the freeze to allow for a credit check when refinancing our home. I am unable to place the freeze back on my account and Experian has no way to contact customer service to help with this issue. When I attempted to log-in with the pin they gave me to lift the freeze, I'm unable to do so. There is not an online option to put the freeze back on. There is not a number to speak with anyone, it is just a robot that doesn't give you the option to speak with anyone and just hangs up. How is this possible?

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 2020-05-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I found an add on XXXX market place for a home for sale for {$500.00}. I emailed the man who posted the add and he told me he moved stated and was looking for someone to take over payments of his house. I was extremely interested. He emailed me an application which I filled out and returned. On XX/XX/XXXX I was told I was selected to move in and I was required to wire my deposit of {$1000.00} to his account. I sent the money and it processed through. I went to the home to look at the area, he told me I wouldnt be able to go inside but he would send me the keys as soon as soon as he could ( it was a Sunday so Im assuming he would send them Monday. ) When I went to visit the home a neighbor came out and I explained my situation and she told me I am the second person to come through for a false add. He was using another mans identity. I contacted the real realtor and he apologized, for he has tried to take down the adds for the house online but they keep popping up. I contacted Chase for a refund but since it was through XXXX with XXXX through Chase I am unable to get any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Colony Brands, Inc.
State: VA
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 contacted ALL 3 Credit bureaus on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I have contacted them about a particular account XXXX XXXX account # XXXX. The other 2 credit bureaus XXXX  and XXXX  I explained to them that I'm a victim of identity theft they request proof from the creditor and they found that the account did not belong to me and they have deleted. XXXX  claims they receive proof that the account belongs to me and refuse to remove the item from my credit file. So now another company called XXXX XXXX account # XXXX that's reporting the same item on my credit file and they refuse to delete it. They are reporting it as a charge off. 

On XX/XX/2020 I sent another certified letter also letting XXXX   know that XXXX  and XXXX  deleted the item. I was told by a rep that the other credit bureaus had nothing to do with them and the item will remain on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
1 ) XXXX  2 ) Experian 3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX 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 2021-09-08
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Club continues to list and report my payment as late to credit reporting agencies, despite the fact that the initial error in receiving payment was their fault as acknowledged by their employees, and the recorded conversations that I have had with them, and their own internal records. I have called numerous times and asked to speak to a manager, I have requested that a manager contact me to no avail. Each time I call, the representative is typically too lazy to read the notes on the account before requesting payment on the account. Additionally, I have emailed and requested that a manager contact me to no avail. On at least three occasions Lending Club employees have advised me not to make a payment until this matter is resolved. I am ready to pay this entire amount that is owed and wish never to be bothered with this company again if this matter can be resolved. It should not be this hard given all the detailed records and recorded conversations for this to be resolved. Everything that I have stated can be verified by Lending Club 's records taken during conversations with their employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: I.C. System, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.

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 2019-02-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied a American Express Gold Card on XX/XX/XXXX, the page shows if I spend over {$2000.00} during 3 months, I will attain XXXX XXXX points. But I finish all requirement on XX/XX/XXXX and ask Amex why I didn't receive the bonus. It said that i can not receive that even i did not receive any notice that i can not receive that. After Amex internal report unitl today XX/XX/XXXX, i still can not receive the bonus with reason misuse history of incentive. It's unreasonable since no that notice before i apply the card.

Company response to consumer: Closed with explanation