BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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:
Experian is reporting incorrectly a collection in the amount of {$450.00} on XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This account does not belong to me and was opened fraudulently. I do not, now or in the past, have ever had a XXXX account. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I do not owe this. I have contacted the bureau to remove this item however, I have not been successful.

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 2023-03-11
Company: EQUIFAX, INC.
State: AR
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 another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/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 I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-02
Company: Early Warning Services, LLC
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 submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX   XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX  XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. 

I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX  XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. 

Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. 

Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX  XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: WY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

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 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. 

When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. 

I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. 

I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. 

I am looking at the list of charges sent, and I do not believe this is accurate. 

I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. 

It shows my total charges of services received totals {$370.00}. 

{$370.00} - {$90.00} - {$50.00} = {$220.00}. 

I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.

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 2020-11-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is manually reversing mortgage payment in my account. This appears to only happen when I make a 'principle only ' payment, i.e. a payment outside of the regular monthly payment. After I made a payment online, Wells would create a 'payment reversal ' entry. Although the principle balance was reduced correctly by some miraculous means, the interest payment was not calculated correctly. So essentially Wells was calculating interests based on the original balance pre-payment, not based on the reduced balance. Wells told me that this is a 'software glitch ' and that it has been fixed. To verify their claim, I made another 'principle only ' payment, and sure enough, it happened again. I requested a day-by-day amortization schedule from Wells and they never got back to me. There are at least a few things that needs to be investigated here:1. Wells is likely charging me interests on the principle that I already paid back 2. Wells should not be allowed to go in to an account, and just randomly reverse a mortgage payment - there needs to be some control and oversight in place 3 if it's truely a software glitch, Wells needs to fix it ( and don't lie to the consumer that it's fixed when it hasn't ).

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 2021-05-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-04-28
Company: EQUIFAX, INC.
State: GA
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:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX XXXX  has an account in my name that was not owned by me. I have never opened an account with this company. I have requested numerous times for the account to be closed and information be deleted from my account. The account shows on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NCB Management Services 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 began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in  XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-15
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
There is not assistance with this company. They tell you that you are a preferred customer. I called to get help making payments, I am currently unable to make payments. There is no deferment, there is no forbearance, there is no help at all. I have been even trying to refinance or consolidate with another company, but I am having zero luck. I called even spoke with a supervisor. Basically I was told there is nothing they can do. I was advised that they do not report to credit bureau until 3rd missed payment so If I can make smaller payments to add up to one months payment, it would set it back. How on earth is that suppose to be be of any help. They offered no help. no guidance pretty much leaving you screwed. Even during covid- there was nothing. It keeps increasing, racking up higher and higher with interest. I can not even find any company to refi with. I am trying to get out of this company. They are not helpful, no guidance no forgiveness. I have tried multiple times to talk to someone and get some help or guidance. All I get is that I am sorry we have changed our guidelines and can not help you. I am currently trying to seek some assistance elsewhere, I may even contact Legal assistance for help- Public maine legal assistance. I do not know where else to turn. It is affecting my life tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navy Federal is attempting to collect money which I have spoken to someone already about my account I caught XXXX and was in the hospital for a period of time on top of that my XXXX kids caught XXXX had to care for them as well, I did ask them for the covid forgiveness program which they told me that I did qualify for but no actions was taken to take care of this matter. please delete/remove negative remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I spoke with the mortgage company with the intention of getting help in regards to my mortgage payments. This was right after hurricane Irma had passed and came to the conclusion with the mortgage company that those months would be forgiven and added to the end of the mortgage agreement. Those 3 months passed and made no payments as promised by the mortgage company. At the start of the year, I was advised by this same company that I owed them those 3 months of mortgage payments all put together. This is completely contradictory to what I had agreed upon with them before. I have continued to make my mortgage payments for this new year but the mortgage company continues to insist I pay for the last 3 months of last year. This added pressure is not helping at all and making me nervous I will lose my home. Why promise something and not hold up your end of the bargain? My family and my house suffered greatly from the hurricane and I don't need any added pressure to my day-to-day life. 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