BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, 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:
After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a duplicate complaint. Wells Fargo has opened an account in my name and social security number, and is reporting it against me. I have notified Wells Fargo that this was as a result of identity theft, and they have ignored my complaints and have continued to claim that I owe these charges. Wells Fargo claims that I am disputing charges, but that is not at all what I am disputing I am disputing them opening the account in my name period. I have not opened a card with Wells Fargo, and I have not allowed anyone to open an account in my name. I am not merely disputing charges I am disputing them allowing a fraudulent account to be opened in my name PERIOD. I am attaching a copy of my recent police report to show that I was the victim of identity fraud where my personal information to include my drivers license, social security number were all used to provide correct information so that Wells Fargo would allow the fraudulent account to be opened in my name. 

I am providing a copy of my police report so that Wells Fargo can plainly see that I was the victim of identity theft and that their account among other accounts were opened in my name using information that was obtained as a result of 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 monetary relief
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. XXXX is refusing to remove this information even with the documents that I have sent in.

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 2022-03-05
Company: FIRST PORTFOLIO SERVICING INC
State: IL
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 have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. XXXX sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the XXXX XXXX XXXX and a small claims case in XXXX County.

I demand that information be

blocked. Total notated " lost or stolen '' in
the consumer statement section. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-04-15
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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 2022-03-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, Experian personnel informed me to submit my ftc identity report again. I submitted the downloaded PDF that I obtained from FTC. EXPERIAN THREATENED ME AND ACCUSED me of furnishing a fake report, despite The report coming directly from FTC. Experian blocked out the identity theft report I initially submitted. I submitted the identity theft report a second time and I was told that it was fraud. Experian uses generic responses to avoid following the law. I am submitting the PDF DOWNLOAD as well as the screenshots. Experians response is generic and fraudulent.

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 2018-09-16
Company: Springer Collections Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed thru credit agency and the company. This debt states for an apartment in Minnesota at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MNXXXX I lived in another apartment not XXXX XXXX This belongs to someone else.. 
Please remove this debt off of me and my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I CALLED XXXX CHASE BANK SPOKE TO A REP FROM THERE THAT WAS VERY RUDE AND NASTY TOWARDS ME WHEN I WAS TRYING TO REPORT FRAUD ON MY ACCOUNT. I TOLD HER THERE WERE SEVERAL CHARGES ON MY ACCOUNT AND I DONT KNOW WHO THE MERCHANT IS AND NEVER AUTHORIZED THESE TRANSACTIONS TO BE PROCESSED. THE REP FROM XXXX TOLD ME THESE ARE TO OLD TO LOOK BACK AND SHE COULDNT HELP ME. IM A ELDERLY MAN AND I DO FORGET TO CHECK MY STATMENTS I JUST PAY THEM. WITH THE HELP OF A FRIEND WE SAT DOWN AND WENT OVER OLD STATMENTS AND FOUND THESE CHARGES AND THATS WHEN I KNEW I WAS PAYING FOR THINGS I NEVER KNEW OR AUTHORIZED SO MY FRIEND AND I CONTACTED THE XXXX COMPANY. I WILL LIST THE CHARGES AND DATES SO YOU CAN SEE HOW MUCH MONEY WAS TAKEN FROM MY ACCOUNT ; XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX THIS IS ALOT OF MONEY THAT WAS FRAUD ON MY ACCOUNT. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my Equifax and XXXX credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both Equifax and XXXX have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: IL
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 have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXXXXXXi TotaXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. Experian sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the Illinois State Attorney and a small claims case in XXXX XXXX. 

I demand that information be blocked. 

Total notated " lost or stolen '' in the consumer statement section. This is unacceptable.

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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2017-11-09
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday in XXXX and XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-05
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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-07-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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 2017-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: ProCollect, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My partner and I have both contacted Pro Collect in amount of {$470.00} located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX attempting to Collect for XXXX Apartments. We left our unit clean and got an excellent report from XXXX XXXX. They kept our deposit for a stain on the 5 year old bedroom carpet. Within 30 days of move out we contacted the rental office and they had no video or physical sample of carpet replacement so we disputed the original deposit not being refunded. The debt was placed to a first agency and disputed and now another agency. We reported Pro Collect to Attorney General of Iowa and Pro Collect failed to respond to then timely. In addition Pro Collect is not licensed to conduct business in Iowa We dispute this debt and the collection of such. Please advise us of legal recourse we have to litigate and remove from our credit reports.

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 2020-02-08
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Santander did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
The following unverified item is being reported in violation of federal law. 
XXXX XXXX They are required under the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to have a copy of the original documentationon file to verify that this information is mine and is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022 i spoke with representatives at XXXX, XXXX, and transunion about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.

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