BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, XXXX re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2020-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
MY PRIVACY WAS BREACHED BY USAA. See attatched XX/XX/XXXX transactions of XXXX. USAA IMPERSONATED THIS MERCHANT PLACING THESE NEW PURCHASES AS XXXX. These are not transactions from XXXX. ( Someone used my private data from XX/XX/XXXX CREATING NEW PURCHASES I DID NOT PURCHASE AND XXXX DID NOT CHARGE. ) Kindly Note Referance # of the XX/XX/XXXX ( F ) ALL BEGIN LETTER F for previous fraud. WHO PLACED THESE UNAUTHORIZED PREVIOUS FRAUD TRANSACTIONS DUPLICATE OF XXXX FRAUD OF XX/XX/XXXX?? ON ACCOUNT XX/XX/XXXX??? XXXX MY PRIVACY WAS BREACHED BY USAA. USAA PLACES AND CREATES FRAUD TO CONSUMER ACCOUNTS PRETENDING TO BE MERCHANT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
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: Problem with personal statement of dispute

Complaint:
I called credit control to advise them that I did not have an agreement with them for any amounts owed and I had a conversation with one of three agents and I was threatened that if I didnt pay they would sue me and garnish my wages. That is illegal according to the FTC act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding ascertained my XXXX XXXXXXXX credit card debt. Upon securing the debt for pennies on the dollar, no attempt was made by them to inform me of their ownership of my said debt. I found out while paying off derogatory marks on my credit report. This was XX/XX/XXXX. 
XX/XX/XXXX I have paid off the debt to them in full, in full mind you, to which it still has open on my report. Several calls and letters issued asking to please remove it or at very least to close the account. 3 years they let my intrest accrual and now after being paid, they won't close it. It's killing my chances of improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: AL
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS AFFAI, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : 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 explanation
Consumer complaint received 2021-06-09
Company: Financial Data Systems
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXX XXXX XXXX {XXXX} SEE ATTACHED Greetings, This is a formal complaint against Financial Data Systems Inc for furnishing information to XXXX XXXX, and XXXX. Please note that this company has over 800 complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has 41 complaints with the XXXX XXXX XXXX. This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which include XXXX XXXX XXXX XXXX  The actions of Financial Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Financial Data Systems Inc in their question to damage my credit standing based on XXXX XXXX XXXX motivation and retaliatory tactics for filing a complaint against Financial Data Systems Inc with the North Carolina Office of Financial Regulation. Financial Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 

Please review the following attachments. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My fourth quarter taxes that were supposed to be paid by BSI Financial Services, XXXX PA., to my township were not paid on time. In turn, the town will be auctioning my tax lien on XX/XX/XXXX. I have not been able to get an answer as to why it was not paid from my escrow acct. There is enough money in the account. I was given numerous different stories about it being sent by electronic transfer, first class mail and express mail, all wrong information because it was never sent. Customer care supervisor has not returned numerous messages left. I have not been given an exact reason why the payment wasn't made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and 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 2019-05-25
Company: Experian Information Solutions Inc.
State: AR
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:
WE NEED XXXX XXXX ARRANGE A CONFRENCE CALL BETWEEN, EXPERIAN, XXXX XXXX XXXX AND MYSELF AND XXXX XXXX, POA ADVOCATE.TO CORRECT THE WRONGFUL AND INACCURATE AGREVATED CREDIT REPORTING, AS THEY ARE AWARE, AAL OTHERS BUREAUS DELETED THIS ACCOUNT ALREADY.PLEASE CALL ( XXXX ) XXXX. XXXX XXXX, AS OF TODATE IS REPORTING A CHARGE OFF {$17.00}, XXXX, WHEN IN FACT HAS A BALANCED OWED OF ONLY XXXX, XXXX, SEE ATTACHED.

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2018 XXXX XXXX XXXX and ERC either company, s have not tried to contact me over this bill if i owe. i checked my cell.I had this problem months ago with focus should be on file. They continue to do this.i will call erc today and let them know i have already file a complaint with XXXX and cfpb about this. That they wrongfully put this on my report and they should have XXXX XXXX call me on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2019, I submitted a letter to Trans Union concerning XXXX XXXX  account # : XXXX. I received a letter from Trans Union on XX/XX/2019, File # : XXXX, stating the disputed item was deleted from my credit report. Shortly thereafter I received a credit report from Trans Union on XX/XX/2019, the deleted item was reinserted back on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( a ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I DID NOT receive NO such notification! This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their disregard for the law. 
I DO NOT consent for Trans Union to use XXXX or any other automated verification with this matter. 
I never receive anything in writing from Trans Union concerning the reinsertion.

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 2022-08-09
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a BJ 's Master Card issued by Commenity Bank. 8 weeks ago, I was unable to access sign on to my account. I could not call to get thru called XXXX along with any other numbers I had. 4 days later with issue still persisting, on the web sign on page message came up that they were upgrading their website. Finally after day five got customer service and next day was able to sign on. Two days later, I could not get on and nobody helped other than stating they were aware and have patience. Two weeks later and same issue. Now around 8 weeks and still no access to my on line account.

1. Not easy getting thru to customer support and have called regularly 2. Nobody resolves issue and can not sign on to view account, check balance, make payments and review charges.

3. Eight weeks now and frustrated.

4. Trying signing on and verified user ID, changed password, tried their links confirmed my email and cell and NOTHING 5.Site states they want to text or email me to confirm my idenity BUT they can not since no text/email on file. Please, I need help to be sure my data is not compromised. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, I have been a Loyal Wells Fargo Bank customer since XX/XX/XXXX. Just Recently I received a letter from Wells Fargo Bank advising me that my credit limit would be reduced by {$1400.00}. The reason being that the amount I owed on other credit cards was too high, that I had too many cash advances in one year, and that my payment to Wells Fargo was too low relative to the balance I owe. On this last point I understand that if I make the minimum payment only, I will pay a lot more in interest charges. I have been paying a little more than the minimum which Wells Fargo sets so I do not understand why this would be a issue as long I am current with my payments, which I have always been. 
I feel Wells Fargo lowered my current limit intentionally so they would be able to charge me more fees in case I went over my limit. In over 20 years of banking with Wells Fargo I have yet to default on any account. I am going through a personal financial crisis right now but I have managed to keep all my payments on time. I expect by years end to have my situation under control and I have been gainfully employed at the same company for 20 years. I believe Wells Fargo uses this type of situation to take advantage of customers and turn a bigger profit also by lowering my credit limit they cause my credit score to go down. Thank You

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 2017-11-17
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: Account status incorrect

Complaint:
I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Resurgent Capital Services L.P.
State: CO
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:
this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Nelnet, 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:
In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Credit Karma, LLC
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:
Somebody use my identity and my old address to file for disability and 1040 forms for the year of XXXX. There is also a credit hard push report because apparently they use my personal information to try to get an apartment as far as Im aware. On the disability form it shows that they were born in XXXX when I was born in XXXX and on credit consumer report shows that I own a XXXX XXXX which I have never owned in my life. I dont know if they have done anymore but this is as far as I was able to find out but this was not me I never filed for disability and I have not filed for XXXX yet. My name is XXXX XXXX and my number is XXXX please somebody contact me as soon as possible this is identity five credit fraud and I want to press charges for the fall extent of the law for whoever did this to me

Company response to consumer: Closed with explanation