BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I would like to institute a Security Freeze with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a Security Freeze was placed immediately. Experian makes it near impossible. They hide access to Security Freeze information all the time trying to sell you one or more of their paid services. When you finally find the place where you are supposed to be able to place the freeze, you fill out a form and click " Submit '' which then tells you you must mail the form to them in Texas which will take weeks or longer. 
Are they allowed to have rules which make placing a free Security Freeze difficult or near impossible unlike XXXX  and XXXX. To get to the page I had to sign in to my account with Experian ( Member ID : XXXX ) get past their request for {$19.00} per month to place a " Credit Block '' and go through other hoops to be told to mail the application to their Texas Office. All this after I signed in, with my password, replied to their text for a secondary number and provided my Social Security number. 
Under CFPB rules are they able to make this so difficult and make their website a marketing tool unlike the two other agencies? Their Phone Service is a computer that gives you meaningless information and then hangs up. Please help.

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 2017-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for a Wells Fargo credit card numerous times and have credit scores in the 700 's and continue to get denied. I have friends that have credit scores that are much lower and have negative items on their credit report are getting approved. I feel that Wells Fargo picks and chooses applicants unfairly due to their demographics. I feel that I have been discriminated against by Wells Fargo. I have 3 checking accounts with them over 5 years and maintain good balances.

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 2022-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is continuing to report errors and inaccurate information on my credit Report from the collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher XXXX XXXX XXXX XXXX ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2020-12-18
Company: EQUIFAX, INC.
State: DC
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX has sold an account to XXXX XXXX XXXX. XXXX XXXX has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on Equifax. XXXX and XXXX have removed this inaccurately reported information. XXXX XXXX needs to be fined along with Equifax regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now Equifax is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the credit XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for XXXX XXXX which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 closed an XXXX XXXX account several years ago MYSELF and Transunion just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I literally have Credit inquires and have no idea where they came from.

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 2020-11-20
Company: Velocity Portfolio Group
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:
On XXXX XXXX, XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-04-13
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Nationstar Mortgage DBA Mr. Cooper in XX/XX/2021. After receiving instructions on how to setup my account I followed all of the instructions in the literature and was unable to actually do as instructed in what they mailed me due to their website being broken and unable to process my zip code when creating my account. I called customer care and was told to just keep trying. Finally, on XX/XX/XXXX I was able to create my online account with Mr. Cooper and upon doing so the website showed that 1 ) I was past due on my XX/XX/XXXX payment and 2 ) that my next auto-draft payment was automatically setup to occur on XX/XX/2021. As a result of the past-due status of my account and after seeing that the next pending payment was for XX/XX/XXXX, I initiated a one-time payment so as to get my account status current. On XX/XX/2021 I checked my bank account and saw that not only had they withdrawn the payment I made the previous day, but they had also withdrawn ANOTHER payment at the same time despite what their website reflected with regard to my upcoming auto-draft. I then called their customer service and after many unsuccessful attempts at navigating their automated phone tree I was able to miraculously choose the correct options to get a human on the line. The lady I spoke with then took my information and contacted the bank to initiate the refund. Despite the fact that Nationstar dba Mr. Cooper were able to instantly draft my funds from my account I was informed that I would need to wait up to 48 hours to have the funds that they took from me without my authorization to be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: DISCOVER BANK
State: CO
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:
An authorized user was added to my Discover credit card. They won't tell me the name or date that it happened. So far I have found over {$10000.00} of fraudulent charges because of this.

I have provided proof that my computer and online account was hacked, that they sent cards to addresses that I've never lived at, have filed a FTC identity theft report, and filed for corrections to my credit report. Discover said they conducted investigations, but when I would call to ask for updates, the client services department would have no record of investigations. Eventually, some of the charges were looked into. They claimed no proof of fraud ( despite everything I provided and no evidence that it was a legitimate claim ) and then re-charged my card for the amounts disputed, even though they never provided a debit while investigating. I've had 4 card numbers opened, immediately fraudulently charged, and then closed over the last year and a half. Each time a mysterious " TRANSFER BALANCE '' charges show up, even though no one at Discover can tell me what they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received information that Columbia Debt Recovery inquired into my credit about an unpaid debt for an apartment lease I was assigned to me in fraud. The lease was opened on XX/XX/XXXX and signed until XX/XX/XXXX. A move out notice was given, and the move out was XX/XX/XXXX. The apt building was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: New Southern Loans, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is reporting a debt with a balance on my credit reports that was discharged in a Chapter XXXX Bankruptcy. I disputed the debt with the credit bureaus and it came back verified. I then sent this company a letter on XXXX XXXX, 2017 and they ignored it. Attached is my bankruptcy discharge and bankruptcy filing.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, and XXXX  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 non-monetary relief
Consumer complaint received 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Every since BBT merged with Suntrust I have been having problems with my account. I have a business and personal checking account. I have received excessive fees for no reason. I had a dispute from a merchant received a letter stating it was in my favor then the Bank reversed it overdrawing my account {$300.00} and didnt send me a letter until 2 weeks later but no explanation. I tried to get in touch with the appropriate department to see what was going on but no help. Then I started getting random fees on my business account which I hadnt used in a while. Then my personal checking just keep occurring fees also with no explanation. I was told my account could be closed but then the following week I was told my account couldnt because of the negative balance even though the cause is not to me. Usually I would get an email stating what it was that caused the overdraft but I never got anything. Then after I told the representative I would be filing a complaint I now have excessive fees applied to my account. I havent even used 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 monetary relief
Consumer complaint received 2017-10-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A bill from water company was sent to collections - i do n't believe that I owe the amount, but that 's not really the issue. I called to gain info about the matter, and asked to speak on a non recorded line and was promptly refused. My additional requests to not be recorded and my desire to be assisted were also followed by insults and a condescending attitude - both not good faith attempts on the part of " rash curtis and associates ''. These actions are illegal and unfair collection tactics, and I believe that living in California I am afforded such rights as to not to be forced to waive my rights to privacy and voice recordings to clear up an erroneous collection attempt. They have threatened negative credit reporting as well and did not attempt to solve the matter. The call was ended on their part as I continued to seek a resolution and they rudely hung up when i explained i would contact your agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have notified the " Professional Bureau of Collections of Maryland , Inc. '' on  several occasions between XX/XX/XXXX to XX/XX/XXXX that the debt they are trying to collect does not belong to me. Finally it ended up on my credit report and they started calling my boss at the college I work at trying to collect. I disputed the debt on my credit report and they sent me a validation letter with the contract for the debt. The debt belongs to my husband, on the contract he is listed as " the responsible party ''. My husband and have separate finances, taxes, credit accounts, and even a prenuptial agreement that separates out finances. They have never once sent my husband a collection letter. I have asked them to remove this from my credit report since I am not the responsible party for the debt. I understand that if they get a judgment against my husband they can come after my income since we live in California, a community property state. However, they have not gotten a judgment and if they do our prenuptial agreement will stop them from trying to collect from my income and property. this company did not follow procedure by trying to collect the debt from the " responsible party '' to start with. Now they are putting it on the credit report of someone, me, who did not know about the debt and threatening to take my property and my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: NC
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 have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX  because of my spouse death. before his passing we were never late. The bill was paid in full by the state of Financial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

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