BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this!

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,

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 2020-01-15
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
RECENT AND STILL UNRESOLVED COMPLAINT/CLAIM NUMBER XXXX I received a call from XXXX XXXX, Executive Resolution Specialist, Wells Fargo Auto, Office of the President, XXXX XXXX, XXXX, TX, XXXX, phone, XXXX, fax, XXXX, on or about the time I filed the complaint, ( XXXX ). He promised he would work with me and subsequently sent me a fraud package which I have been waiting for for over ( 2 ) years since I first bought the matter of " Fraud '' and " Identiy Theft '' of my personal details back in XXXX. I received the fraud packet with a letter dated XX/XX/XXXX from Wells Fargo, Office of the President requesting I send my supporting documentation, including verification of my address at the time of the fraud etc., by XX/XX/XXXX, which I did via fax to XXXX. I sent ( 42 ) pages as I had done before in XXXX. I phone Wells Fargo Dealership Office of the President on XXXX on XX/XX/XXXX at XXXX to confirm safe receipt of my fax and spoke with XXXX who informed me the matter with your organization had in fact been closed and XXXX XXXX, was no longer handling the matter which in no way resembles the company 's response to my complaint with you, the CFPB. It clearly states the company Wells Fargo needs more time to look and research the matter but that is a lie and they have closed the case and XXXX confirmed there were no notes on the account of safe receipt of the ( 42 ) page fax I sent them on XX/XX/XXXX as XX/XX/XXXX was a XXXX. I have a confirmation the fax was sent and received. This is exactly what Wells Fargo has done in the past, the person I or my  attorney was dealing with suddenly is no longer working on the case which confirms why it's taken over ( 2 ) years to resolve. This is their MO and has been for some time, including the blatant lack of transparency and purposefully breaking US Consumer Law/s. They are not pursuing the matter and gave false information to the CFPB as to their motives and what they clearly stated in their letter to me on XX/XX/XXXX. They lied and have been misleading me for years and now your organization as well.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am disputing the following collections Accounts XXXX XXXX XXXX XXXX XXXX I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debtThe FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not correctedit could have severe implications on my credit worthinesswhich is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

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 2021-09-16
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've had so many false debt collectors calling me! Never want to send anything in the mail. Called my phone several times left a message but never stated the persons name they are looking for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.

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 2022-02-05
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Onemain financial company belongs to my daughter, I call my daughter, and she told XXXXr that it had been only 20 days late, but on their ( onemain ) contract it stated it have to be 30 days late before they put it on your credit report and. My daughter let me know that she was paying it tomorrow, which she did, and it wasn't 30 days, it was only 21 days late, but the worker threaten me about this if I didn't pay for my daughter bill, when my daughter wasn't actually late, so she put this dispute on my credit report and I would like to dispute it please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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 sent a certified letter to Equifax dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Equifax violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Equifax stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Equifax, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of the violation of law and refuses to remove this trade-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement in XXXX from Sears Mastercard. I noticed that I had been charged late fees and interest charges on that statement. I always pay my statement seven days in advance of the due date and have never had a problem being charged late fees and interest charges. I immediately called customer service and asked them why they were charging me late fees and interest charges. Sears customer services stated they had received the payment late. It was determined in this conversation that the mail either had been held up or the payment had not been processed in a timely matter at the Sears Office. Customer Service said they would waive the charges. While talking with Customer Service, I pulled XXXX statement and noted that Sears had also charged a late fee and interest charge for that month. Customer Service stated that they had not received my payment in time for that month. Customer Service waived the late fee and interest charge for that month. I had to call back the next day to have those fees waived as Customer Service stated that could not waive fees for two consecutive months in one call. 

I received my XXXX Statement on XX/XX/2021 and it indicates that Sears is charging {$7.00} interest for purchases. I called Sears and talked with XXXX at XXXX XXXX on XX/XX/2021. I questioned why I was being charged an interest charge for purchases. I asked that this charge be waived and explained the circumstances with prior Customer Service calls. She stated that it is their policy that no additional waivers can take place after the two waivers for the prior months. This was not discussed with me by the prior Customer Services Representatives that did the initial waivers. 

I am disputing this charge because I have been faithful in making my payments on time for many years that I have held a Sears Credit Card. These late fees and interest charges were not due to my error but due to the lag in postal service, COVID pandemic and the lack of personnel to process payments issued to Sears Mastercard.

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 2020-01-15
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:
XX/XX/XXXX On XX/XX/XXXX, I received my results from dispute 's I started on the telephone I started a new investigation to dispute the account on my credit report, to a XXXX balance, and would receive results of the investigation online in my email. I got my mail on XX/XX/XXXX and received my results from my investigation, which was supposed to be emailed to me, stating there is a balance due, in collection, and will be removed on XX/XX/XXXX, from XXXX  XXXX   XXXX  for {$1400.00} ; XXXX XXXX XXXX  XXXX XXXX for a charge off of {$1800.00} and will be removed on XX/XX/XXXX ; XXXX XXXX XXXX  for a charge off of {$1100.00} and will be removed XX/XX/XXXX and XXXX XXXX XXXX for a charge off of {$5300.00} and will be removed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TrueAccord Corp.
State: MD
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/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: First Federal Credit Control, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
M husband has been going to this practice for about two years. The staff and the office manager have reported t their collection agency teh wrong balance without providing them proof of the debt fully. On XX/XX/XXXX there was no calls nor correspondence in writing that we had an upcoming appointment with XXXX XXXX XXXX. our phone number had changed in XX/XX/XXXX. 
I tried to talk to the office manager several times and she was not willing and very agressive short of cussing me out. to correct the amount of the bill. I paid XXXX to the XXXX location office in XX/XX/XXXX. That is the only way that he could have been seen the last visit that I take care of the past due amount of XXXX. Mr. XXXX can not read nor write very well at all. I handle all of the financial matters. The office manager told the staff to hang up on me if I called. The charges of XXXX, XXXX, XXXX dollars are totally incorrect and according to the Fair Debt Collection Act are in dispute. 

Right now Mr. XXXX is very ill with onl XXXX XXXX XXXX XXXX. 
Again we had no written notice of an upcoming appointment. Within a ear anything can happen. They failed to put anything in writing to our postal address before this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
I've been reporting these accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, Tranunions need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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:
Several discrepancies with my credit report, due to inaccurate reporting that violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
My XXXX XXXX branded XXXX has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
my current phone number is not set as primary number i found it difficult of verification

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