BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: VI
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 XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Central State Recovery did not make any attempts to contact me about any outstanding balance. I had to find out by pulling a credit report. This is unfair practice in Credit collection so say the least. 
CENTRAL STATES RECOVERY is representing XXXX XXXX for XXXX. This amount is different then the amount requested from XXXX XXXX. 
I paid XXXX XXXX on XX/XX/2020 XXXX as payment in full. 
Now CENTRAL STATES RECOVERY has reported collection attempts for XXXX. No attempts had been made, to collect XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Home Depot cashier signed me up for a Commercial Account Credit Card, promising deals that do not apply to me. I am XXXX years old and do not have a business. I shop at Home Depot for personal purposes only and I already have a Consumer Credit Card. I ended up with two accounts which created a VERY confusing situation and then I was charged a late fee because of my confusion with due date and I incurred finance charges because apparently with a commercial account you have to pay off the balance which was not clear to me when I was signed up for this. I feel like I was taken advantage of. I have closed the account with I am still reeling from the abuse. 

This is the Home Depot XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: DISCOVER BANK
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received correspondence in the mail from Discover that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Discover is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have asked Experian several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them.

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 2021-04-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ongoing dispute of a bank to bank transfer. Initiated transfer XX/XX/2021. XXXX Wells Fargo branch XX/XX/2021. Opened claim with Wells Fargo XX/XX/2021. XXXX with Wells Fargo and XXXX XXXX representatives on XX/XX/2021. Was provided trace information from both parties.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: In progress
Consumer complaint received 2022-01-24
Company: Augusta Collection Agency, 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:
made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Portfolio Recovery for {$1200.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Portfolio Recovery did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX  or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account has been overdrafted at times, also my account has not been secure in my opinion. I believe my data has been breached. Was allowed erroneous transactions multiple times. The online doesn't like to work a lot, I have had so much trouble with this bank since I started. I believe my account has been stolen money from time to time. Especially once I sold my home I got around 72,000 in there. Nothing seemed to add up.

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 2021-03-26
Company: Synovus Bank
State: IL
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:
Opened a secured credit card online and found out they do not accept online payments, only over the phone with a {$10.00} charge. Cancelled the card prior to the card even arriving. The rep refused to give me my account number when I tried to close the account. The account was opened and I hadn't received the information yet, but was opened and reported on my credit. The rep said I didnt need to mail anything back or in. The company said it would take 10 weeks to receive my deposit back but couldnt tell me what account number was closed and collected an annual fee from my cancellation ( which was fine, but was unable to advise the account the fees were being taken from ). I asked to he transferred to a supervisor and she refused to transfer me or give my information to me. 
Call : XXXX XXXX  cst With : XXXX XXXX XXXX Customer Service Rep, XXXX XXXX XXXX : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX, IN until XX/XX/2019. When I moved out, I canceled my service with XXXX XXXX XXXX  XXXX XXXX. I was sent a bill for XXXX and XXXX, and I called XXXX to dispute the charges. The representative assured me this would be taken care of and resolved. 

XXXX then sent me to a debt collector when they assured me this was resolved. I called XXXX and they said it was too late and it had been sent to the debt collector and they could not fix my credit. The day after I paid the debt collector, XXXX called me admitting they made a mistake, and would refund the the difference between what was owed and what was overcharged initially. 

I disputed the mark on my otherwise perfect credit with XX/XX/XXXX, and they still list it as accurate ( it is not! ). I followed all necessary steps and my credit was unfairly hit when XXXX admitted they made the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus 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 non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRIES THAT DONT BELONG

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 2020-09-22
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously requested a line item bill for this medical debt from the originating hospital & this company. Neither have provided it to me to show what was paid out by insurance. I never saw a doctor at the hospital but they show charges to a doctor. My repeated requests since XX/XX/2020 have gone unanswered and their collection tactics continue with robocalls to my phone. No written evidence of the debt & what was charged ( or for what ) has been provided.

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 2023-04-22
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:
Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX Co {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries 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 2021-03-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.

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 2018-02-11
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.

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 2021-06-02
Company: WELLS FARGO & COMPANY
State: NJ
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 was never authorized to report on my credit, please see below the list accounts on my report : Identity Theft WF/XXXX XXXX Account XXXX : XXXX This is not mine.

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 2021-01-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within 30 days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.

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 2021-04-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the XXXX pandemic. I was going through a financial hardship. I requested a relief assistant to defer my monthly payments. It was agreed not charge any interet or late fees. Wells Fargo fails to abide by the rules. After three months, I was able to continue making payments regularly. From XX/XX/XXXX up to XX/XX/XXXX I never missed payments. Wells fargo sent my account to collections agency. They said I can't get access to my loan until I bring account to current status. My bank statements shows payments proof and to wells fargo received on time. However, wellsfargo charges me over {$3800.00} for 6 months missed payments. Their information about my account is wrong. I need my refund back from them. They forward my account to collections and to XXXX XXXX as delinquent.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian lowered my credit by almost 70 points for a credit check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a credit check with my credit. 

I contacted the XXXX bank about a few months ago, and some lady informed me that someone tried to apply for an XXXX Credit card on the XXXX website in my name. 

When I contacted Experian, and sent in all requested documents with a complaint form asking them to fix this problem and the credit application I never applied for. 
They asked me to send in a complaint form, copy of an existing bill with my name on it, copy of a government I.D., and a copy of the credit problem or error. 
Their version of fixing the problem was raising the FICO score by 2 points. 


They refuse to fix the problem, and I can not get through to anyone over the phone anymore. 

Experian has allowed an unauthored use of my credit report for a credit check I never asked for. They have not fixed the problem with the false use of credit or credit application is reported to them! 

I feel Experian obviously does not care about people. 

Most of all Experian refuses to divulge how they calculate FICO scores for people. 
I believe there is some kind of corrupt practice Experian is using against people!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: MO
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 rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$15000.00}

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