BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My complaint is about a late payment on my Wells Fargo Credit Card account that was 30 days late on XX/XX/2018 for the amount of {$26.00}. I was never notified or informed that my account was past due. My previous card on file was cancelled for fraudulent charges and I was issued a new card. My new card however, did not have my automatic payments set up and I was never notified that my card 's bill was due or when it was past due. No telephone calls, letters, or emails were sent to me. There has been a mistake here. I have been doing business with Wells Fargo for almost 11 years without a single late payment on my record until now. I would love to continue to do business with Wells Fargo but if this late payment is not removed from my account, I will have to stop doing business with Wells Fargo immediately. I would love to continue our relationship moving forward and have this dispute resolved. The complaint is about Wells Fargo and their information is here : WELLS FARGO CARD SERVICE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA 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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 )  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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 on XX/XX/2018 at XXXX XXXX  eastern time and spoke with two US representatives who did not budge on removing fraudulent inquires placed on my credit report. There were two glitches that occurred with Transunion as well, where it caused my inquiries to be removed and then placed back on. I'm extremely frustrated with this experience, because they were extremely unprofessional and this has caused my credit score to drop tremendously. XXXX and XXXX had no problem deleting every inquiry off my report with no issue what so ever.

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 2019-05-01
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: MO
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 identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) 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 2021-06-03
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 information incorrect

Complaint:
XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated all my Navient loans with XXXX XXXX in XX/XX/XXXX. I received an invoice from Navient in XX/XX/XXXX and contacted them. I called XXXX XXXX agnet and got both company on athree way call, during the call I was told it was an error and it would be corrected. I did not receive any correspondence after the call. Last month while trying to get a loan, i was informed I had an outstanding loan with navient. I have contacted them on numerous occasions to get a resolution to this error but it hasn't been fixed. 

I have attached the loan amount navient claims i borrowed and the factual amount that was listed on the nslds website which shows the full balance of the loan has been paid by XXXX XXXX during the consolidation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are 2 inquiries showing on my report which should not be

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 2017-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After submitting a dispute form to Equifax, I received e-mails stating that the matter had been resolved with a confirmation number and links to view the results. Despite submitting the confirmation number ( XXXX ) and answering a series of questions, Equifax 's website returns an error message saying that it is unable to display results. I waited several weeks and tried again with the same conclusion. 

I contacted the company by phone in the interval. The representative claimed that the information had been corrected, but I want to see written confirmation detailing the correction or receive an updated ( free ) report. Equifax is inefficient and difficult to contact, probably by design.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony bank, has placed late fees on every month even if I pay a day before. Their excuse is that they need the payment 5 days before is due. That is not what the contract says. Now they are trying to collect money on an account and won't send me proof of the account. They are affecting my credit and won't provide validation.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

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: Experian Information Solutions 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:
I have submitted multiple disputes regarding a collection account that was being reported on my credit report that I had settled in full. I have uploaded a letter that I received from the collection agency that states that the account is settled in full on multiple occasions as well. Every time the account dispute is closed without the information being updated and tha account being listed as being paid in full,

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 2019-09-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor }  authorized LVNV FUNDING LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Bread Financial Holdings, Inc.
State: NY
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 am submitting this complaint in regards to my commenity bank/express account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by XXXX points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
ON XX/XX/XXXX. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to XXXX XXXX XXXX. I didn't not consent, authorized, benefit, apply to nor use XXXX XXXX  programs or products. I have reached out to XXXX, XXXX, and Experian about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # 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 2021-07-01
Company: Experian Information Solutions 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 contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

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 2021-10-07
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:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, TransUnion put false, incorrect derogatory Chapter XXXX bankruptcy info about my XXXX/XXXX   account in my credit file, reporting it was closed, on a payment plan, no payment history, etc., which dropped my credit score way down, over 100 points. I have disputed and requested that they correct their OWN error 5 times and they refuse to correct any part of their falsely reported lies to this account. XXXX/XXXX  states my account with them is in good standing, has never been closed, was never in any Chapter XXXX bankruptcy payment plan, did not provide any derogatory remarks to TransUnion at all. My XX/XX/XXXX credit score with XXXX is XXXX, XXXX   is XXXX, and TransUnion is XXXX, so the irresponsible management of incorrect derogatory remarks are/were from within TransUnion 's own issuance, bec XXXX and XXXX have continued to receive correct in good standing status from XXXX/XXXX. I expect TransUnion to fix, correct, remove their damaging fraudulent totally untrue remarks. Bec they inflicted their errors and have refused to do the right thing to correct their wrongdoing, I won't be given the appropriate automobile insurance premium for the good credit scores of XXXX and XXXX, bec the auto insurance industry uses the criteria from TransUnion 's credit file to assess premiums, and bec of TransUnion 's lies and XXXX score, I will be penalized to pay a higher premium, through no fault of my own. It's not right to be punished for TransUnion 's irresponsible falsely recorded errors. It has caused me much anguish and more XXXX and unnecessary anxiety each time I dispute their untrue status of my XXXX/XXXX acct and they won't fix their wrongdoing. Why should I have to suffer and pay more for auto insurance due to their fault, not for anything I did to cause such a negative score?

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 2019-09-20
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2017-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation