BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: ACIMA CREDIT, LLC
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: Was not notified of investigation status or results

Complaint:
Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.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 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 2022-04-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.XXXX XXXX XXXX XXXX DXXXX 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 2017-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a complaint against Wells Fargo Mortgage for what I believe is fraud. I purchased a home in XXXX of XXXX in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX for {$210000.00} and used Wells Fargo Mortgage as my lender. Wells Fargo sent an XXXX out to appraise the value of the house and the house appraised for {$210000.00}. I applied for a conventional loan which included PMI. 
At the time of purchase, the basement was unfinished and the square footage of the house was XXXX square feet. I have since had the basement completed to include a full bathroom, a full kitchen, a bedroom, a living room, a game room, and a theater room. The square footage on the house is now XXXX square feet. 
I contacted Wells Fargo to have the PMI removed from the mortgage and Wells Fargo sent out an XXXX to appraise my home. The XXXX spent approximately XXXX XXXX XXXX XXXX minutes in my home appraised it {$210000.00}. I contacted Wells Fargo to dispute the appraisal and I was told that home sales are down. I had my own appraisal completed and found that XXXX homes in my community, similar to mine, sold for {$290000.00} and {$270000.00}. The XXXX that Wells Fargo used did not compare homes that were in my community, instead, homes in an adjacent community that have lower valued homes were used. 
I believe that Wells Fargo is committing fraud against homeowners by using their chosen appraisers to appraise homes for loan values and then using their appraisers again to appraise homes at lower values in order to charge consumers unnecessary fees. I request that my complaint be investigated.

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 2017-10-26
Company: Bread Financial 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 information incorrect

Complaint:
XXXX XXXX XXXX who is also Comenity Capital is reporting an account that was in dispute. XXXX XXXX XXXX is collecting for XXXX XXXX XXXX. XXXX XXXX XXXX did not complete the dental work correctly. I disputed the charges. They did not respond. I sued XXXX XXXX XXXX and it was stipulated that they refunded me {$1800.00} and attempted to correct the dental work. They were unable to complete the work so they referred me to another dentist. Essentially I won the lawsuit. XXXX XXXX XXXX is reporting the account under the original terms and that I was late when reality I won the lawsuit. There was a small amount still owed for other work. The terms are completely incorrect as well as the payment history as it went to court. The court case number is : XXXX and the court was XXXX XXXX XXXX. XXXX vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXX OF XXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last XXXX XX/XX/2022 {$3400.00} Reported balance 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 authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-09-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts from 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 2022-04-01
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: Account information incorrect

Complaint:
On XX/XX/XXXX, when my loan of {$10000.00} had been fully discharged, the letter advised it would take up to 180 days to be cleared. The information regarding the discharge was relayed to XXXX on XX/XX/XXXX, the loan had in fact been discharged. I have contacted XXXX several times recently as of XX/XX/XXXX still with no concrete conclusion other than they have extended the time frame to XXXX with no notification to the borrower. Each time I tried to clear this debt from my credit report XXXX sends a report back to all 3 Credit Bureaus that the debt is owed. I have sent the discharge letter to the credit bureau on several occasions still getting the results that the debt is still owed. This adverse action is causing me not to be able to move forward with a home purchase. I would like this matter and XXXX practices investigated.

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 2018-01-08
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:
XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase mortgage company is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus days late. Someone else 's account. My mortgage was always current and is now paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used to do all things financial with USAA. I had an EDUCATIONAL IRREVOCABLEFOR {$25000.00}. This trust account was set up in my name XXXX XXXX XXXX and the trust was for my son XXXX XXXX. I and only I would be in charge of trust monies until XXXX reached age XXXX. If educational funds are still available ( in 2020 ) then money will be distributed as I see fit to XXXX ( my son ) and my XXXX grandchildren as well. 
Every time I have attempted to find out what on this earth is going on with Trust through USAA, the guilty thief of my sons trust gets a elder abuse restraining order and therefore halts my right to go against her financially until order is up. USAA has treated myself and this rather spend major error on there part, its a dis tase. My grandfather was an original CHARTER MEMBER of USAA. At this point I need to know exactly what and how and whom to deem financially and criminally responsible. I learned that my mother, XXXX XXXX XXXX is, in fact, responsible for identity theft, for forgery, and I am sure a sleigh of other charges. She apparently did this trust change with one simple fax stating the I ( XXXX XXXX ) was removing myself ( irrevocable means can not be altered in any way ) from MY SONS, educational trust, replacing myself with my mother, for absolutely no good reason. At which point as soon as she is granted access to the trust she electronically has the entire amount of XXXX transferred into her private/personal bank account, and promptly spends every dime on herself, XXXX, XXXX. Not only did trust go missing, XXXX gained access to all my email addresses, and locked me out of all of them. She posed as me and closed, borrowed, spent, traveled, all on stolen money from mine and my sons Banking and trust account. I have been unable to view my old statements from USAS due to fact XXXX XXXX keeps intercepting my phone calls, my mail, my emails? I am currently and in recent past attempted to file identity theft, among other charges, against XXXX. She has with ill intent kept my private and personal documents, birth certificate, SS Card, car title, my sons same info. I changed address several times, she keeps changing back!! So, this is my first USAA rather LARGE AND IMPORTANT dispute. Its not ok to steal, make false allegations to obtain the law to be there muscle in illegal behavior. I have 2 other disputes, seperatly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WAKEFIELD & ASSOCIATES, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Cawley & Bergmann, LLP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NEVER GOT ANY VALDATION LETTER '' S VIA MAIL OR ELECTONICALLY FROM ANY OF THESE DEBT COLLECTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WLCC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There have been multiple harassing phone calls to my job threatening me and today they faxed a false wage assignment I have never agreed to in order to confuse my employer to withhold 15 % of my pay. I have asked them not to call my employer due to jeopardizing my job and they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Sometime during XX/XX/XXXX I was charge {$29.00} by the store XXXX XXXX XXXX XXXX in my Commenity Capital Bank XXXX ... XXXX, during the month of XXXX, I was out if the country, I realize the charge from the store and the late fees from the Commenity Capital Bank until XX/XX/XXXX and immediately I call and wrote to their Commenity fraud department, the Fraud department sent me to their customer service attendants, who at the time sent me to the store customer service. 
I call the store XXXX XXXX XXXX XXXX  and complaint for the XXXX charge, since I did not authorize it, their claim was that it was an automate charge for membership, I never receive a notification asking for my approval on the charge nor I authorize their charge for the membership, their final response was they will remove the charge. 
I contact Commenity and explain the situation to their cuatomer service, the file a claim and promise to resolve this issue before 90 days. 
In the meantime, I have been charge interest late fees in the amount of {$130.00}, reported late on my credit report from a card that have a {$0.00} balance in the month of XXXX, XXXX. 
I call their customer service on XX/XX/XXXX to find out about my claim, and their reponse was that my claim was droped withouth a notification and/ or resolution. 
It seems that this is game played by the store XXXX XXXX XXXX XXXX  and the Commenity Capital Bank to obtain Junk Fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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: Information belongs to someone else

Complaint:
FRAUD, INCORRECT 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