BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: IL
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 in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police  reportsXXXX 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  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Unidentified person applied for credit using my personal information with capital one. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Paramount Recovery Systems, L.P.
State: GA
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:
XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-08-25
Company: SYNCHRONY FINANCIAL
State: GA
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:
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-12-01
Company: EQUIFAX, 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AN ACCOUNT WAS OPENED ON XX/XX/2015 FOR {$4600.00} DOLLARS. I TRIED DEALING WITH THEM DIRECTLY. INTIALLY THEY REMOVED FROM MY FILE BUT IT RE APPEARED A FEW MONTHS AGO WITH NO RESPONSE FROM THEM ON WHY. I AM ENCLOSING A POLICE REPORT STATING I HAVE BEEN A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: MOHELA
State: IA
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 am part of the PSLF program. When I was with XXXX XXXX I consolidated under the revisions that were offered to get my payment counts all to the same count. This was successful. A few months later, around XXXX or XXXX, I got notice that my loans would be transferred to Mohela. At that point, my payment count was XXXX. I talked with XXXX XXXX and they said that I didn't need to do anything and my payments would transfer over as they showed at that point. They said it might take awhile. They also said it wouldn't hurt to recertify once I got over there. I did exactly as they asked me too. Then, I waited and waited and waited. I was trying to be patient because I knew things were crazy. However, my payment tracker on Mohela continued to read at only XXXX payments. I called today and was informed that this wasn't going to change, at least not until they looked at the recertification I sent to them in XXXX. Regardless, that will only bring my account up to XXXX. When I was at XXXX a year ago. The recertification from last XXXX should have brought me up to XXXX payments. Which means, if I recertify again this XXXX I would be at XXXX. This is very frustrating. I have done everything that is asked of me. I have jumped through every hoop. Now I am getting screwed again. Mohela won't budge and I can't get into my XXXX XXXX stuff anymore. I don't know what to do, other than pay the payments over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently heard of the Wells Fargo settlement and I was not notifed. I applied years ago for a settlement claim dealing with Wells Fargo. I purchased my first home and Wells Fargo was the mortgage holder they also force placed an additional policy on my account that was paid every month for over 6 years until the flood here in XXXX XX/XX/2010 when I filed claim with Wells Fargo they sent adjuster out then paperwork denying my claim later I was no longer able to access my payments or account info any longer as Wells Fargo just deleted it. I lost my home later due to them not wanting to work with me when I filed bankruptcy. I just want the money that is owed 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 2021-03-29
Company: EQUIFAX, 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:
This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear SYNCB/TJX COS ; I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. 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 monetary relief
Consumer complaint received 2023-05-12
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: Account information incorrect

Complaint:
My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX to XXXX to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and 3 charges from years ago appeared on there. In addition. Experian claimed I paid only 2 of my accounts on time. 
I have been devastated by this inaccurate reporting.

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 2023-01-30
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi XXXX XXXX XXXX is here. I'm facing issue with Wise, Formerly TransferWise company. This company is doing fraud with me. This company is keep asking for documents which i already provide them. I'm an affiliate marketer and working with XXXX XXXX My company send me affiliate payment to my wise address via XXXX. Total amount is {$1100.00} which i received from XXXX XXXX Its been many days they are holding my money for no reason. This company is doing big fraud with their customers. Please help me to get my money from this fraud thief company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had my identity stolen in the past. These three names circled are not 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: CA
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, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit using XXXX XXXX, I noticed a delinquent account from Nationwide Recovery Services for an amount of {$240.00}. The account information states that it was opened in XXXX of 2021. I check my credit regularly and have never seen this attempted collection on my account before, nor do I know what the charge is for. The original creditor is XXXX XXXX XXXX by XXXX. I did not receive any communication from them in regards to this charge prior to the opening of the XXXX account. 

I contacted Nationwide Recovery Services twice for more information about this account. The first representative was unable to locate the account. They searched their database using my social security number, my first and last name, just my last name, and any addresses that may have been associated with me. None of my information had any accounts associated with it. The second representative was also unable to locate the account. I believe this account has been incorrectly linked to me. Because it's not linked to me, I'm unable to even pay the balance and prevent the delinquent account from appearing on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-25
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:
I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

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 2018-08-24
Company: Service Bureau, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  shows Service Bureau Inc with a " potentially negative '' note of a {$10.00} paid medical bill going to collections. This is in error. If I would have known about this {$10.00} charge sooner, I assure you it would have been paid immediately. I was never notified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Statebridge Company
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing our credit reports from XXXX, XXXX  and XXXX, we were shocked to see a firm called Statebridge stating that we owe them a mortgage debt. We never heard of Statebridge. Disputes have been submitted to remove Statebridge from our credit reports. Please help us keep Statebridge from attempting to cause us financial harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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 am writing to dispute the late payments that have been reported on my credit report. According to my records, I have made all payments on time and in full, and I believe that these late payment entries are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers have certain rights and protections when it comes to credit reporting. Specifically, I would like to draw your attention to the following provisions : 15 USC 1681i : This section outlines the procedure for disputing inaccuracies on credit reports. As a consumer, I have reviewed my credit report and identified the following late payment entries that I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you investigate these entries and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a written explanation of your investigation results and any corrections made to my credit report. 

15 USC 1681b : This section requires that credit reporting agencies only provide credit reports to parties that have a legitimate purpose for accessing them. I ask that you confirm that you had a legitimate purpose for reporting the late payments to the credit reporting agency in question.

15 USC 1666b : This section requires that creditors provide written notice to consumers when adverse actions are taken, such as reporting late payments to credit reporting agencies. I request that you confirm that you provided me with the required notice prior to reporting the late payments to the credit reporting agency.

Furthermore, I remind you of your obligation under the FDCPA to provide accurate information to credit reporting agencies. Failing to do so could be considered a violation of the Act and could result in legal action being taken against you.

Thank you for your attention to this matter. Please provide me with any necessary documentation or information to assist me in this dispute process. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX XXXX XXXX, XXXX MA from XX/XX/XXXX until XX/XX/XXXX ( 4 years ) while working at XXXX XXXX XXXX in XXXX, MA. I never failed with my monthly rent payments. However, when I moved out from the place, the manager sent me an email with a bill attached to it. It seems that I owed some money which supposedly included the following charges : few extra days ( as I moved out ), a final water/sewer charge, a door jam charge, and a carpet stain charge. I honestly took well care of my apartment and passed final inspection at the time I left ( I was single, not kids, no pets ). I felt they were unfair with these charges and tried to negotiate as I was OK with paying extra days and water/sewer. I ended up in collections and I paid strictly what was owed ( only extra days and water/sewer ). Today is year XXXX and I have this unfair collection mark on my credit report. This has been the most expensive rug I have had to pay up to this day. The situation seems unfair, abusive, and financially distressed as I have never been able to qualify for decent financial products! I hope CFPB helps me to remove this mark on my credit report forever! 
I will appreciate your help in this important matter! 
Blessings and stay healthy outhere! 
Regards, -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 2023-06-27
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: Personal information incorrect

Complaint:
I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a 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