BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: Experian Information Solutions Inc.
State: PR
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 complaint is against EXPERIAN LLC. After numerous disputes with foundation, experian llc. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with XXXX XXXX XXXX. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that XXXX have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with experian on numerous occasions, since XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent experian with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet EXPERIAN LLC, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( XXXX ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent experian a document from XXXX dated XXXX, showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.

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 2020-11-15
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Us bank reliacard has frozen my account it's going on two months and now I'm getting evicted given them all documents they needed and still nothing I called everyday and nobody seems to care what I'm going thru I need my funds they have no right to do that to me just because I did some disputes I wished they would if told me

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 2018-11-08
Company: FACTUAL DATA CORP.
State: ND
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 mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the XXXX of XXXX I called USAA and explained why both off my USAA credit cards has taken too long for them to update my balance when I fully paid both of my credit cards in full payment. Usually, it takes onetime payment, and it clears out my balance. Unfortunately, it took almost two weeks for them to clear out my credit cards. The USAA credit department where verbally rude and unprofessional and giving me a hard time while I tried to explain to them that it never happened to me like this before. I just don't understand why USAA credit card department is being unprofessional and can't even handle my situation. I decide to file a complaint thru the Federal Trade Commision and XXXX  XXXX  XXXX  for their lack of customer service skills and can't help a USAA member like me. Please investigate because I have been calling numerous times before the XXXX of XX/XX/2022 and USAA employees can't even help out. What happened to their excellence customer service skills? Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt by PERSLOV LLC was idetified as link to Idenity theft 4 years ago all accounts were resloved with the bueuros but this company PERSOLVE LLC has reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: CO
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:
Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.

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 2019-09-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened up my own bank account and XXXX XXXX XXXX was suppose to close me out of his account. In the meantime, he received a check for almost 60,000.00. He also received two XXXX checks he had told me that the {$60000.00} check was from his home mortgage company and the other two checks were from stocks from his old company he worked with. I knew nothing where the money actually came from except what he had told me. He said he had taken me off of his account and I had already given him back my debit card from that account. One day, a Mrs. XXXX from Wells Fargo contacted me stating that XXXX XXXX XXXX owed them over 45,000.00 dollars and had told me that he was involved with a check scam. I was shocked that she was giving me this information because I had thought I was no longer on the account and had no access to these funds. He always had online statements and never let me know. I have divorced him and when I remarried my husband and I went to Wells Fargo to add me to his checking account and they said I could not do that because I was still on XXXX XXXX XXXX XXXX this account. I contacted XXXX XXXX XXXX at XXXX and he told me that once he closed his account that was when he had me removed from it. So the whole scam is under my name as well, and I had no clue that this happened. XXXX XXXX XXXX never did do what he said he told me about removing me from the account when I opened up my own personal checking account with Well 's Fargo. I didn't think my ex-husband would be a victim to this but he never let me know what happened and I still don't know what is going on with it as of today. I found out when I went to get my name on my new husbands account. The bank asked me to file a claim and then once it is filed they would see if I can get added to my new husbands checking account. So this what happened.

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 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 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 I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - SOUTHWEST XXXX XXXX XXXX XXXX XXXX- {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a notice that Wakefield and Associated was collecting a debt for XXXX XXXX in late XX/XX/XXXX. The medical debt was invoiced and paid in XX/XX/XXXX so I sent proof of payment along with a debt dispute letter and a request for debt validation within 30 days of receipt of my first notice from Wakefield & Associated. Tracking shows it was picked up from the post office in XXXX XXXX, CO on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not received debt validation. I have, however, been contacted via my cell phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wrote a letter requesting communication only in the form of letters and provided my address. This letter was received by Wakefield & Associated on XX/XX/XXXX. Therefore, the XX/XX/XXXX call was a violation of my rights under the Fair Debt Collection Practices Act. I am attaching documents showing the call from a Wakefield associate today, XX/XX/XXXX, and tracking information showing they received my letter that asked I not be contacted again via telephone.

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 2019-09-02
Company: Home Loan Center, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/XXXX and XX/XX/XXXX was scammed out of XXXX  dollars in gift cards and demanaded money from me im left short

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXXXX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

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 2018-06-19
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, Equifax or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I relocated in XX/XX/2018 and properly completed my change of address notification with the post office. Instead of XXXX XXXX XXXX XXXX XXXX forwarding me a proper bill, they wrote the debt off and sold it to a collection agency. This debt was PAID IN FULL TO XXXX XXXX XXXX XXXX AFTER I FINALLY GOT NOTIFICATION OF AN ACTUAL DEBT BUT THIS COLLECTION PLACE STILL PLACED THIS ON 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 2019-09-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the National Credit adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps saying I did not attend my move out inspection and I did. On XXXX XXXX 2019. The last time I made a complaint I added pictures as proof that management was there with me and they said they would reinvestigate and I never heard anything back from them. I will post the pictures again because these statements are inaccurate and I do plan on elevating this further in the system after trying to resolve this on multiple occasions. This company has no proof of anything they're stating in these responses. I have had it removed from 1 of the credit bureaus and I will not stop until it is removed from all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Goal Structured Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LAUNCH SERVICING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-11-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I submitted a request to have PMI removed from my loan. At that time, the bank representative stated to qualify I need to make principle payments. I sent 2 additional principle Check XXXX {$2500.00} check date XX/XX/XXXX Check XXXX {$200.00} Check date XX/XX/XXXX My current LTV is 75 % ( Below the 78 % automated termination requirement ). I have XXXX credit, Payments are auto withdrawn from my account, no missed payments, & have equity in the property. My PMI payment is {$23.00} ( like to keep things in prospective ). 
I have asked NewRez mortgage ( Shellpoint ) to escalate my request to remove PMI for my loan. I keep getting letters indicating I have to pay {$150.00}, {$400.00}, {$500.00} to get PMI removed. They also said PMI termination is based solely on the original amortization of the loan and I am not scheduled for termination until XXXX? 

Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation