BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
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:
On XX/XX/2021 I XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report it has been over 60 days and I still have not received a report. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2019-03-14
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: Account information incorrect

Complaint:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX agency is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false 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 2021-06-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I as of late sent a debate letter to XXXX, Equifax, and XXXX  on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Metro Collection Service 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 information incorrect

Complaint:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX  ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name Metro Collection, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

Metro collection services collections for XXXX XXXX is the property management company. XXXX XXXX  XXXX collections for XXXX XXXX is the property owner. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX  is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 the XXXX XXXX XXXX ran my credit check with the TransUnion credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that TransUnion is showing to me is 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 2021-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wanted to withdraw {$4000.00} from my opportune checking account. I called the branch before hand to insure that if it was available and was told yes. At the branch XXXX and her Manager said no. I called the the number in the back of my card and was told by 2 representatives that I should have been able to take the funds out and they are not sure why I wasn't. I was escalated to the executive office and spoke to XXXX. I need the calls from today XX/XX/2021 audited. I asked XXXX what the facts were ; am I able to take my funds out yes to no and she said I would have to wait to get a call back in a few days from the case manager. I am tired of my account which is a second opportunity account being discriminated against. Today I had my funds denied to me which is illegal. The funds are in my account and it my money. Customer service has confirmed that I should be able to take it out and yet I CANT. XXXX ignored my questions and simply stopped talking. She needs to be fired for lack of professionalism. This is not fair nor legal to customers who need their funds. This is an ongoing issue with Wells Fargo and the need to be investigated. I should not get different information from Wells Fargo employees. The executive office should be able to answer questions and not lie. The executive office is the most unprofessional part of wells Fargo and my calls with XXXX need to be audited, what this bank does is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services representing the original Creditor XXXX has contacted me stating that they have taken over XXXX XXXX XXXX. XXXX was not able to verify this account. CCS was sent a letter of verification on the XX/XX/XXXX after CCS had sent me a notice of debt on XX/XX/XXXX. CCS could not verify this debt as mine. CCS sent me a Insurance claim form which i will enclose with my complaint along with other documentation. CCS sent me a letter stating they will be reporting to the credit bureaus on the XX/XX/XXXX. On XX/XX/XXXX CCS was successful in adding this unverify account to my credit report which has damage my score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo is reporting late notations on my credit file for XX/XX/20 and I ask that they please remove them. During the beginning of Covid my company had a really hard time and we were impacted from start to now. We ended up closing for a few weeks during this time. I went during this time with no pay so once I was finally working, I could pay on my account. I have been current since. I ask that Wells Fargo please make a one time goodwill adjustment to remove the late from my 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 2018-12-18
Company: EQUIFAX, 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:
Complaint is concerning wrong address, Never own XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX LAST REPORTED XX/XX/2018 According to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Sterling Infosystems Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company is Sterling Talent Solutions Negative information from 10 years ago provided to employer on a 7 yr criminal history report provided by Sterling Talent Solutions Have contacted company several times about this with no answer or return phone call.

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 2019-09-27
Company: EQUIFAX, 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:
Equifax is non functional as a credit bureau.They have been unreachable online for over a week.When I called the fraud dept they speak XXXX ( unintelligible combination of XXXX and XXXX ). 
I WANT TO DISPUTE XXXX  XXXX ACCOUNT XXXX ACCOUNT IS CLOSED NOT OPEN.THE BALANCE IS LESS THAN THE CREDIT LIMIT, ALSO INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: IN
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:
EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan within the past 2 months and have been giving a new loan servicer called Specialized Loan Servicing. While becoming familiar with their website I clicked a button for " payoff quote '' and and then " continue '' and was assessed a {$25.00} fee without any warning or prompt that I would be assessed a fee. There is nothing on the website that says this fee will be assessed. I did not need a pay off quote, but was merely exploring the website. I called for help at SLS and spoke to a person who said she would not waive the fee and then kept me on hold for over 30+ minutes I attached the screen that is displayed when " Payoff Quote '' is clicked. 

The servicer is called : Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX XXXX Monday through Friday, XXXX XXXX until XXXX XXXX. MT,

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 2020-10-14
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: NJ
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:
After I became aware in XX/XX/XXXX that I was a Victim of Identity Theft and obtained a Police Report, I mailed them to all 3 major credit reporting agencies : Experian, XXXX & XXXX. However, Experian decided to cause me an unlimited amount of aggravation!! 

First, I 've initiated hundreds of disputes online, via mail, and over the phone. They never attempted to honor my request which by law based on the FCRA the CRA 's must legally not only remove the fraudulent accounts but also block them from reporting again should the creditor try to put them back on. 

It came to a point where Experian does now allow me to initiate disputes and they told me on the phone it 's frivolous, and they will never honor my request. 

Thanks XXXX it 's only Experian that does n't abide by the law and I give credit to XXXX and XXXX by removing them within 24 hours. 

I 'll be attaching a copy of my recent Experian report along with my police identity theft report which will show exactly the accounts that are fraudulent and Experian refuses to remove them. 

I have to add one more thing, there 's also 2 fraudulent account which is n't on my police report because at the time I got the police report was XX/XX/XXXX and the account which is not on the police report is PENFED CREDIT CARD, the reason is that it began reporting on XX/XX/XXXX. 

Lastly, these fraudulent accounts ( or at least most of them ) were opened using an address which is not associated with me as you can see on the report " XXXX XXXX XXXX XXXX '' and I would like to quote what Experian told me ; and these were their words " WE ARE UNABLE TO REMOVE THIS ADDRESS FROM YOUR CREDIT REPORT SINCE THERE ARE ACCOUNTS ( MEANING THE FRAUDULENT ACCOUNTS ) THAT WERE OPENED USING THAT ADDRESS, AND THEREFORE WE DO N'T BELEIVE THAT THIS ADDRESS IS N'T ASSOCIATED WITH YOU ''!! 

Common ; they admitted these accounts were opened using this address which is not in any way associated with me, instead of using it as the number one proof that these accounts are 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 2022-03-29
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to Receivables Performance Management LLC. Again, I never received any phone calls or correspondence from RPM regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted RPM to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident RPM could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from 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 2018-03-19
Company: EQUIFAX, INC.
State: CT
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/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 went online to Transunion to get a free credit report. Once I got my report, I saw there was a middle initial added, XXXX " XXXX '' XXXX. Never had a middle initial. So I tried to dispute it online and while filling out some of the info, it asked to create a password and supply my credit card number, because the ones on file that came up were outdated. How they got those numbers, I have no clue because as I have never paid for a credit report in the past. I believed it was for identification purposes. Afterwards I received an email for a charge for a credit report. I called in to dispute both the middle name and the charge. the charge was a subscription. How I got to that page appears to be deceptive, since I was only trying to dispute the middle initial. I called in and they cancelled the subscription but wont refund the charge of {$1.00}. Said he could not reverse it and no oe at the company can do it either, which it sounds absurd, since I cancelled it. The I asked how did the middle intitial get there and he could not tell me. I was authenticated, so he should have told me when this was added. Please help? 

This occurred Friday XX/XX/XXXX, XXXX between

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