BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2017-08-08
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX TV charge me XXXX for early termination, made arrangement with XXXX rep to pay XXXX monthly until paid off. Made first payment. Few weeks later I checked my credit report online, I noted the not only was I reported to the credit bureau but also acct sent to collections. I paid the whole amt. in full, soon afterword 's I complained to both collecting agencies and XXXX XXXX about the arrangement made with there rep. I was told to check my email in few days and I would be receiving a letter of correction and copies would be send to all credit bureaus to correct the reports. Before that I had a XXXX plus score. The derogatory info damage my credit making my score to dope below XXXX. I have yet to receive any letter ( s ) from any of the parties involved and have call numerous times to get this resolved by contacting XXXX XXXX, collecting agency and the Credit agencies, all they do is point the finger at one another. Do n't really know what else I can do to resolve this issue. Please help ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
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 contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct 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 non-monetary relief
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services ( Wells Fargo Auto Finance ) is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Wells Fargo made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas  and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Wells Fargo as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is a XXXX XXXX mortgage. I was granted an automatic forbearance agreement. Under the Cares Act, the mortgagor is not to report the mortgage as late in payment. Wells Fargo, my mortgagor, reported my account as current but included in its report that I was in forbearance agreement even though I was never late in my payments prior to the hardship caused by the coronavirus, i. e., I  was not in a forbearance agreement. As a result of Wells Fargo 's erroneous reporting that I was in forbearance, a lender who had committed to refinancing this mortgage withdrew its commitment. 

I have brought the mortgage account current, but Wells Fargo would not write the credit reporting agencies to request the removal of its erroneous report that I was in a forbearance agreement.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: IA
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:
The following credit inquiries currently listed on my XXXX XXXX, Experian, and XXXX credit report are unauthorized and not my credit inquiries : 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 2020-05-19
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
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/XXXX and the subsequent response received onXX/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 ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 2020-07-06
Company: Experian Information Solutions 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:
XXXX  AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX  IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION 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 2020-11-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a debt validation request In XXXX and again in XX/XX/2020 directly to the companies, after I had requested these creditors be removed from XXXX, XXXX  and XXXX. The reporting agencies list the debits as verified and when I asked for what info they received to verify these debits being valid they told me that I was not allowed to have this information. I then asked what qualifies a debit to be valid per there agency 's procedure, again told I could not be told that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Was not notified of investigation status or results

Complaint:
Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: LoanCare, LLC
State: CO
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:
Loancare We have never been late on a payment. They have had money sitting in our escrow for years now and keep reporting us late on credit bureau. Never refunded our money or applied. They have never fixed on our credit report either. Showing 20 late payments, when we have never been late.

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 2020-11-06
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivable management has started reporting a debt to my credit report that they have failed to notify me of. I got an alert today from XXXX that this account was reported.

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 2020-10-26
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were going through XXXX XXXX to have a home built. The process with them has been great, the problem weve had is with their preferred lender HomeBridge. The sale of our existing home and moving was based around an expected closing date of the XXXX of XXXX. The next day, Friday the XXXX of XXXX we were told by the loan officer and his staff that the closing was Monday now the XXXX of XXXX, and we would need an additional {$7000.00} at closing. The additional funds at closing was due to a clerical error on the loan officers part, admitting that they failed to give the appraiser paperwork for an upgrade on the house. This caused the appraiser to fall short on his appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was supposed to get cash rewards for credit card points. I clicked an option to collect my cash rewards and signed up to have them transfered to my checking account. I was told it would take 7-10 business days. After a month, I still never received the reward. I called and they told me there was a system error and they are manually giving out the rewards. I never received an email, letter, or phone call about this. However, if I was late to make a payment they would not hesitate to charge me a late fee. However, they make me wait over a month to redeem my rewards and then dont even tell me about the system error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply me with an agreement between myself and creditor and they have failed to do so and i do not owe the bill.

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 2020-11-19
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: Investigation took more than 30 days

Complaint:
I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

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 2020-11-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've sent numerous certifies letters to all XXXX major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has appeared on my credit report, however, this is not my medical debt as I have never received a XXXX nor owe any type of medical debt. Furthermore, I have never received any type of correspondence from this debt collector as I do not owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Credit Card Acquisitions Group
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I continue to ask for proof of debt ; some sort of letter that can be mailed to me to prove this is legit and not a scam. The company has said they have sent out many letters and emails- i haven't received one. The lady XXXX offered to email me a letter of correspondence ; but i've yet to receive it. The company clearly has my correct address, yet I haven't received any collection letters. Foster and Monroe are reporting on my XXXX credit report ; however, I still never received any correspondence about this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
A couple of fraudulent charges were posted to my account on XX/XX/XXXX. I immediately contacted the company to report them. After a " review, '' according to a letter dated XX/XX/XXXX, they have reinstated one of the charges, for {$31.00} to " XXXX XXXX XXXX, '' because I supposedly " received benefit from this transaction. '' I did not place or authorize the placing of any order from " XXXX XXXX XXXX, '' and discarded the package that arrived from them. Under no circumstances should I be liable for goods I never ordered, much less those ordered fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data International has refused to provide any validation of debt. After speaking with XXXX  ( original creditor ) and confirming that I have a {$0.00} balance, IQ Data still will not remove the debt. I have called in multiple times to just get a settlement in order to no longer deal with this company, despite them violating my rights as a service member and citizen. Yet, when I call I get yelled at and hung up on multiple times. XXXX XXXX ( employee at IQ Data ) refuses to even provide me with a number to pay. 

Not only are they trying to collect on a debt that is not owed, they won't adjust the interest they have charged in accordance with the service members relief act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from enhanced recovery for {$920.00} for XXXX. My granddaughter used my information to obtain a cell phone. I'd like to negotiate payment of {$400.00} for the balance to be deleted from collections. That's all I can pay as I have been furloughed due to COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: AR Resources, Inc. (FL)
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation