BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2021-10-20
Company: EQUIFAX, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
My identity was fraudulently used to apply for credit. XXXX details XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX & XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: KY
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away on XX/XX/XXXX. I was left his house and have had a new deed drawn up in my name. The loan was transferred from XXXX to Specialized Loan Servicing on XX/XX/XXXX. Once SLS took over the loan, the name XXXX XXXX started appearing on his loan statements. I have been calling since the beginning of XXXX to have her name removed from the account. Her name was not on the loan or on the deed when it came over to SLS and I have confirmed that with reps who have looked at the documents they have. I have sent in a copy of the new deed with my name, Death Certificate and letter of administration. Every time I call, no body can help me. I get told a ticket has been submitted and someone will call me back. I have not once received a call back. I ask to speak to a supervisor and they tell me they can't transfer me but can schedule a call back. No one calls me back. There are never any changes or updates on the issue when I call. I make the payment every month and am current on the mortgage. They are unwilling to help me fix their error and I'm not able to refinance the loan in my name until they remove this other person 's name from the account. I am beyond frustrated and this has been the absolute worst part of dealing with my dad 's estate.

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 2023-08-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting 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:
UNAUTHORIZED AND UNVERIFIED INQUIRIES 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 2023-11-16
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: In progress
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
This account XXXX is a fraudulent account that XXXX and transunion fail to remove from my credit report. This account is fraudulent and is not my account. Ive tried disputing this accounts numerous of times and also have filed FTC report as well as police 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 non-monetary relief
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had trouble with navient for quite some time. I don't know if I'm one of the people that has been hustled from them but I know my time with them has been a struggle. This past winter they took out two payments and I had to go through hoops to get a payment back. They even tried to say that they have no record of it. Their information they gave me over the months was very inconsistent. They changed my payments without telling me as well. I was paying {$40.00} a month with such high interest that nothing was getting knocked off my total debt. They recommended this much for me and told me that with the income based debt deal, the interest would go down and it would make a small dent overtime. But my bill kept getting higher and I didn't know how. But as I said they changed it without telling me to XXXX a month based off the same income that I had before and didn't have a good reason as to why that's the lowest they can go. I feel like my total amount due should be much less than it is to this day and they somehow screwed me. I'm also angry that they're taking {$100.00} a month and it doesn't seem to be doing much. I complained about them not telling me and they gave me a bunch of excuses and didn't give me good reasons to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. 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  In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-08-22
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account on my credit file that is due to my identity theft case and it linked to my neighbors home not mine and the address needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX, this is not my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2018-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
Immediate removal of inquiries.

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 2018-02-05
Company: EQUIFAX, INC.
State: FL
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:
I called the consumer to complain about it and nothing hasn't been done about it by them removing these things off my credit nothing has been done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.

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 2021-06-15
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to request validation on this debt multiple times beginning since XX/XX/XXXX and every 30-60 days since then. But the collection agency was already attempting to collect the debt which was on my credit report prior to XX/XX/XXXX. In XX/XX/XXXX they responded with a copy of a bill from the original creditor but there was insufficient proof of the debt belonging to me. They provided documents that did not have my correct name, the signature was not my signature and the date was typed in instead of wet signature. My account with the original creditor shows a {$0.00} balance but it also shows they produced a bill XX/XX/XXXX but from what I can see the bill date is XX/XX/XXXX which I do not recall creating. I have never been contacted by this collection agency nor the original creditor about a balance owed anytime from the date of assumed debt creation according to the original creditor. No bill was generated in XXXX that I can see nor seen during anytime since XXXX up until XX/XX/XXXX from the original creditor. I have access to XXXX which is the program provided by the original credit that shares all medical information with the patient.

Company response to consumer: Closed with explanation