BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit report and discovered that Portfolio Recovery have been reporting information to the credit bureaus about a debt that they claim i owe. I send out the first letter to them which they received on XX/XX/XXXX requesting for verification and validation of the debt and a second letter which they received on XX/XX/XXXX because the response to my first letter was for me to provide them additional information about the debt. They are reporting information to the credit bureau under my social security number and they are asking me to provide them additional information about a debt that they reporting to the credit bureaus which is very frustrating. 
The last communication mail i received from them where two mails dated same date with different information which is why i believe this company is violation and in non compliance with the federal laws under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will be attaching the return receipts for my certified mails i send to them and the letters i received from their office. 
They need to delete and cease from reporting wrong information to the credit bureaus which they can validate or verify. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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 status incorrect

Complaint:
I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-17
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: Their investigation did not fix an error on your report

Complaint:
IT'S BEEN MORE THAN 30 DAYS AND XXXX, EQUIFAX, AND XXXX ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to 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 2020-07-13
Company: Atlanticus Services Corporation
State: AL
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/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received a letter from Resurgent Capital Services. The letter stated that enclosed was a document that I request. I requested validation of an alleged dept pursuant to 15 USC 1692g. All I received was a statement detailing false information, such as listing XXXX XXXX  as an original creditor, where 15 U.S. Code 1692a defines a creditor as " any person who offers or extends credit '' which in fact XXXX XXXX  can not do. This statement along with the attached document is a violation of 15 U.S. Code 1692j, as I requested validation but instead was issued a deceptive form of a statement and a letter stating than an alleged debt was owed, which is also a violation of 15 USC 1692b ( 2 ) which details how a debt collector shall " not state that such consumer owes any debt ''. Additionaly this organization has violated USC 1681 ( 4 ) of the FCRA when they obtained my location information from an unauthorized 3rd party " LVNV Funding '' and then contacted me without my receiving " prior consent '' as mandated in 15 USC 1692c of the FDCPA. Pursuant to federal law, this organization has violated several laws of the FDCPA as well as FCRA and is liable for both willful and civil negligence. This negligence has tarnished my reputation, as well damaged my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX 2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2017-12-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX California ) and their collection agency, Wells Fargo Home Mortgage ( Iowa ) are attempting to collect through a fabricated XXXX XXXX application which was DENIED in XX/XX/XXXX, by a fabricated foreclosure filed XX/XX/XXXX. My property at XXXX XXXX XXXX XXXX, XXXX, IL is paid in full and the application for mortgage was for rehabs at XXXX and XXXX XXXX XXXX, not my premises. Documents were switched to my property, using blank, undated, un-initialed, robo-signature and ID theft to open 12-215 unauthorized accounts in my name with out my knowledge or consent, and unjustly enriching bank by retaining the proceeds..Each time I settle on one account, they try to collect on a new account number. Wells Fargo is engaged in a fraud, scam and elaborate con-artistry in which an agent informed me they collect on fabricated defaults to match bogus, fake notes and foreclosures from federally backed insurance for as much as {$200000.00} to $ XXXX for each account, amassing from $ XXXX {$4.00} XXXX. property costing me only {$100000.00}. Wells Fargo targets the most vulnerable of society, XXXX-Americans, XXXX, females, elderly and XXXX - all of which I qualify. I borrowed no money, never had a closing, never received any proceeds.

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 2023-08-17
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # 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: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
l have a new last name, new phone number and new address, credit reports are still showing old 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 2020-07-15
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
Flagship Credit Acceptance is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. Flagship Credit Acceptance is not reporting the correct loan amount on all major credit bureaus.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-03-08
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/2021

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-08-17
Company: EQUIFAX, INC.
State: GA
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:
Please remove all fraudulent inquiries and accounts that Ive included in the documents i also attached my ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: OH
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:
I currently have four fraudulent accounts appearing on my credit report. 

1. XXXXXXXX XXXX XXXXXXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for a loan modification on XX/XX/2021. I have called CHFA multiple times since then for an update. Every time I call they say that it is under review. Today is XX/XX/2021. No loss mitigation option has been given to me. How does someone who is needing a loss mitigation option supposed to save their home from foreclosure. Other mortgage companies complete this process in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: R & B Corporation of Virginia
State: VA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have already disputed these accounts and collections XXXX XXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation