BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: MN
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 following collection account listed on my XXXX, Equifax and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital one well not respond to my mail, calls or disputes I sent a 609 credit letter and capital one still has failed to respond or give me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: MS
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 submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " CO '' every month since XX/XX/2019

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 2018-03-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund

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 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my payment to td bank on time like I always do for XXXX. Its automatic in my bank account. I got a call on XX/XX/XXXX saying they were attempting to collect a debt and I had not paid my mortgage. After speaking w the representative it became clear they had received my payment and bc of a change in escrow analysis I owed {$14.00} more on a {$4400.00} mortgage so they didnt apply my payment. I paid on the phone the {$14.00} and then they charged me a {$170.00} fee. I spoke at length w td about how this is an unfair practice and that its not indicated anywhere on the bill that this is the practice- to withhold payment if its not in full. And that the practice is extremely off market. They refused to credit the fee. It seems egregious to me so Im contacting you to find out if its a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Credit Adjustments Inc
State: NV
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 receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.

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 2020-06-23
Company: EQUIFAX, 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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX. 
We're fed up with the management of the property and our complaints and service call never completed on time. 

One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this. 

We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract. 

I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns. 


I included the photos attachment as proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: LJ Ross Associates
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I called XXXX XXXX  and told them that a fraudulent utility account was showing up on my credit report. XXXX XXXX XXXX informed me that I needed to make a police report, and complete an affidavit in order for them to investigate the matter further. On XX/XX/2019 I contacted XXXX XXXX XXXX again in regards to a suspicious utility account that I found on my credit report that was not mine and again explained to XXXX   XXXX that I had an affidavit, and police report reporting the identity fraud for the fraudulent utility account and was advised by XXXX XXXX XXXX to fax it to their Collection Dept which I did. XXXX XXXX XXXX informed me that they were in receipt of the documents and would need 90 days in order to investigate the matter and that they could not delete the account from my credit report because the account had been sold to a collection agency- LJ Ross . On XX/XX/XXXX I also contacted LJ Ross and told them that I had been a victim of identity theft, and that I had an affidavit and police report corroborating that, and asked them to remove the account from my credit report and to stop reporting it to the credit bureaus. LJ Ross advised me that they could do neither until XXXX XXXX XXXX told them that their investigation was complete. It has been past 90 days and this account is still showing up on my credit report. It is the responsibility of the furnisher to report accurate and correct information per the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX  and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion re-inserting deleted information on XX/XX/2018 I discovered negative credit item has been re-inserted into my credit file. you are required to notify me within 5 days of re-inserting a deleted item I did not receive any such notification as the law require the item XXXX  XXXX {$230.00}

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
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX Black Friday I purchased a promotional television for 24 months 0 % interest. When I receive my statement on XX/XX/XXXX ( 60 days later ) the company began to charge interest on the purchase. On XX/XX/XXXX I reached out to the company to complain of the interest rate increase. On XX/XX/XXXX I was told that I had 60 days to make a written statement from the time I made the purchase. When I counted the number of days from the time I purchase the TV till the time the statement came out it was exactly 60 days, which left me no time for recourse on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX  SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion and XXXX  have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State licensing authority did a credit check on me and reported to me a company named XXXX and XXXX XXXX alleges I owe a debt in the amount of {$550.00}. I called both companies. Neither one knew who I was. Neither company had my name or social security number in their database. I am unable to have this stop being reported. I asked them to remove no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I had filed a complaint with Wells Fargo Bank, due to a slew of charges that were taken out of my account, as my debit card was not in my physical possession. I have spoken to multiple agents and customer care representatives who have been absolutely no help in the process. Due to the nature of the charges that spanned across three weeks, I focused on the larger sums, which are as follows :XX/XX/XXXX : XXXX XXXX - XXXXXX/XX/XXXX : XXXX - XXXX XXXX - XXXX XX/XX/XXXX : XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXXXX/XX/XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXXXXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX When given a decision, Wells Fargo Bank denied my claim and requested that I go directly to the merchants to issue a refund. Therefore, I went to each merchant through chat and phone, in which none could assist, as the charges were done in-store, with the exception of XXXX XXXX. I called Wells Fargo once more and told them that the merchants authorized a refund and the Wells Fargo agent informed me they can not issue the refund and in addition to this statement, I can not open a new claim disputing these transactions. 
The amount I have disputed is high and it's frustrating beyond all belief for a bank to have protection for its consumer, yet refuses to utilize it to protect someone from these actions. I have contacted each merchant again, and still the same response from both parties involved.

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 2022-10-06
Company: EQUIFAX, 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:
XXXX 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 Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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: Closed with explanation
Consumer complaint received 2021-09-21
Company: Paradigm Assets, LLC
State: AL
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 AM ATTACHING A COPY OF A XXXX REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSWORLD SYSTEMS INC
State: KY
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:
Debt collection is for a person that has never lived here. Told Trans World Debt Collectors to remove our number from this person. They continue to call.

Company response to consumer: Closed with explanation