BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago

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 2023-02-26
Company: Consumer Adjustment Company Incorporated
State: MO
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:
I never receive any type of notice in the mail or email regarding any type of debt owed by Consumer Adj co. I do not know anything about this company. They have violated my rights to dispute and illegally reporting inaccurate information on my credit file which resulted in my credit file dropping XXXX points. On XXXX XXXX, I mailed a certified letter ( XXXX ) requesting proof of original signed contract with my signature on it, proof of ownership to collect on the debt, proof to collect the debt in my state and a list of itemizing charges if any. I'm not sure if I am writing the right company because again I never receive any written notice or email. My consumer rights have been violated by this company and I would for it to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
In accordance with the FairCredit 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Identity theft and fraudulent accounts, i was out of the country from XXXX to XXXX i never lived in the address the accounts were opened under, see police report i also have my US passport as they stamped it the day i left and came back. 

CREDIT CARDS OEPNED UNDER XXXX : Capitol One opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXXXXXX 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 2019-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and noticed the XXXX XXXX card reporting, however I was incarcerated during the time of the opening of the account in which this is fraud.

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 2018-11-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offered us a bonus of {$400.00} for opening checking and savings accounts and keeping a combined total of {$15000.00} in them for 60 days. The bonus was supposed to be paid within 90 days of our fulfilling the terms of the offer. 

We opened both accounts on XX/XX/18 ; therefore, we fulfilled the terms of the offer on XX/XX/18. The bonus, then, was supposed to be paid into our account by XX/XX/18. As of today, it hasn't been. 

We have notified the bank repeatedly that we have not been credited the bonus, including a letter to the Executive Response Unit. We have not heard anything from Citibank to this point, and the bonus still hasn't been credited.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I mailed a certified letter to XXXX and TransUnion about an account with XXXX XXXX account on my credit report. I asked for proof that I was ever late on a payment with this company. A bank statement showing that I was late. After 30 days they just verified the account. They did not send any proof showing that I was late. 

On XX/XX/2023 I mailed another certified letter to reinvestigate the results from the following dispute that I sent out on XXXX and again I did not receive any proof that I was ever late on payments to the company,

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 2023-04-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was not given the government assist modification when in need of a modification in 2011.

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: HW Holding, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a collection from Hunter Warfield Inc for {$2200.00}, I call Hunter Warfield asking to verify this debt, They told me they had no paperwork on this debt. I sent a letter on XX/XX/2023 asking to show me paperwork which would verify this debt. Hunter Warfield has not respond to my letter. this should be remove from my credit report for lack of Hunter Warfield fail to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: APPLE RECOVERY, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not know the person they keep trying to contact. I had this phone number for at least 7 years and I have never know any XXXX XXXX whom they are trying to contact. I did talk to the person who keeps calling and advised them that I am not XXXX XXXX, I do not know who he is or how to contact him. I was advised that they will take my phone number off their list but I continue to receive their calls ( for about a year now )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$380000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: MO
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:
This was a small loan I took out in XX/XX/XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XX/XX/XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from XXXX saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid 1990s. 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Essex Mortgage granted a modification, I agreed to the terms calculated by their underwriting team to pay a current amount, that amount went up from the agreed amount, then 3 months later they then turn around and hiked up the mortgage amount again. Now the mortgage is outside any agreement that was made during the loan modification, in addition they did not calculate my escrow payments correctly from the time I purchased the home till now. They also refuse to owner removing all feature payments starting XXXX XXXX, from their database I had set up, in return they have caused me so many NSF 's they refuse to pay. I have the email back in XXXX I sent on the XXXX stating they would stop feature payments but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called me repeatedly from sun up to sun down non stop My current husband who is not responsible for my debt was contacted on his company cell phone, the representative told him that I owed them an obscene amount of money which was before our marriage and tried to get him to pay on that debt. This was done on XXXX XX/XX/2023 at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, 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 2019-08-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I called wells fargo 's corporate office and put a stop payment on a check from a company that I was having problems with. I have attached a copy. On friday the XXXX of XXXX they paid the check and after charging me for the stop payment they pay the check because according to them it is not a guarantee. What a crock of XXXX. XXXX and other banks have no problems honoring stop payments. So now wells fargo refuses to give me the money back and tells me that I have to file a claim and there is over XXXX missing because of this transaction. Taking money for a stop payment and then not honoring it that is fraud. And what bank is the king of fraud. WELLS FARGO. Also I have a couple of other disputes with them that they refuse to send me proof and are allowing companies to sign my name to transaction and they do nothing. Please help me get my money back and personal charge some XXXX here with a criminal felony account. I have never heard of a bnak not being able to honor a stop payment.

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 2019-03-18
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Last year I had to move. I didnt have the money to move so I went to the title loan company. I got {$1500.00} from them. I ran into issues and was having problems paying so I had to refinance. Which of course they screwed me over even more. They told me on a {$1500.00} loan that it would cost {$6000.00} to pay them back. Fast forward to now. They repossessed my only vehicle Saturday XX/XX/2019. Without warning. I also havent recieved a phone call from them in over a month. Nor have a I revived a call about them wanting to repossess my vehicle. The vehicle is my only mode of transportation. It has all of my tools and work material in it. They are refusing to tell me where the truck is so I can get all of my tools. And they are refusing to work with me. Saying they need a minimum of {$1200.00} up front just to release the truck. I have worked less than 40 hours this year and have no way to pay that kind of money. I cant even pay rent this month let alone pay {$1200.00} to a company that is in it to XXXX people over. I need my vehicle back as soon as possible so I can start to pay them back. I cant pay them back without the vehicle because I can not get to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, 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 am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car that was voluntarily repossessed about 15 years ago. The amount owed was {$6400.00} after the sell off the car. I dont remember any communication about it after that. Fast forward to XXXX or XXXX I was taken to court by XXXX and XXXX and a judgment against me was interred for almost {$19000.00} for the car. I was told to pay {$100.00} per month. I paid the {$100.00} for about 2 years when my account was suddenly closed about a year ago. Im not sure why and dont recall getting anything in the mail. Around XX/XX/2020 I get a letter in the mail that looked like junk mail, but I open everything just in case. The letter is asking for the entire amount owed. They have no records of my payments that went to XX/XX/XXXX who is now XXXX. I was told that there is no record of my payment and Lloyd and McDaniel now want to proceed with the original almost {$19000.00} owed. I have proof of my payments ... I dont understand how a XXXX car can now be almost {$19000.00} .... I asked if I could pay my original balance of {$6400.00} with no answer Lloyd and McDaniel wants me to send the payment info but in order to credit me the account numbers have to be the exact same but some how they are different. Please help Respectfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Account status incorrect

Complaint:
XXXX continuously reports my acct as delinquent and it is not. It had been rectified but is now impacting my credit incorrectly once again.

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