BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Experian Information Solutions 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:
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, Experian and XXXX and they have done nothing.

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 2017-12-05
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:
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXXi. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX* Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, XXXX  and TransUnion and they have done nothing.

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 2017-12-12
Company: Experian Information Solutions 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:
Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: TX
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:
not mine : FCRA violations : see attachment for proof XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To cfpb, On XX/XX/2021, I applied for a secured credit card for small business account on Wells Fargo online application platform. Application Number for Small Business Secured Credit Card : Application No. XXXX After about a week or two later from not hearing from anybody at Wells Fargo regarding the status, I decided to call. 

I spoke with one of the CSR 's who stated by application had been halted because they hadn't received my collateral. She mentioned that I needed to get a money order & take it to a branch. 

I then went to their branch in City of XXXX, California and the branch manager there had no clue they even had the service. I then went again another day and still they wouldn't take my collateral. 

I then made a complain to Wells Fargo corporate escalations : XXXX XXXX and I am a Case Specialist in the Wells Fargo Enterprise Complaints Management Office. Who stated he will promptly attend to my concern. And nothing. 

I then called their customer service escalation and she advise for me to mail new money order to : Payment Remittance Center ( For Business Platinum and Secured Card ) XXXX XXXX XXXX XXXX, MN XXXX Which I sent via USPS tracking # XXXX. The money order was signed for and delivered on XX/XX/XXXX, XXXX. 

A few weeks later, I called again because of no communication from Wells Fargo and they stated that process was incorrect, that I supposed to send it to another address with a collateral transmittal form. 
So I went back to the XXXX to get another money order for {$500.00} and send per his instructions via XXXX tacking # XXXX delivered to XXXX XXXX XXXX XXXX XXXX # XXXX, Attn : Business Card Collateral, XXXX XXXX XXXX, IA XXXX. 

Since XX/XX/XXXX, Wells Fargo has not opened by secured credit card, nor they have returned the additional {$500.00} that went to Minnesota. 
I tried calling many times customer service, escalations, and nobody will take imitative in locating my money order, action it, nor want to be responsible for helping me recover my {$500.00} money order, but if they are not going to open my secured credit card, they now owe me {$1000.00}, plus taxi fees, postage, etc. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: TX
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 letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX of 2018 Mr. Cooper ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a XXXX x XXXX on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted Mr. Cooper and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it my concern, The loss mitigation submission was submitted to the servicer Mr. Cooper on XX/XX/2019 and was confirmed received by the servicer on XX/XX/19. On XX/XX/19 the servicer confirmed they never opened and reviewed the new submission as due to the file being denied from a previous submission from XX/XX/2019. On this day a new review was opened up with the submission from XX/XX/19 with updated income documents included. This review was denied due to missing documents. On XX/XX/19 a newly updated package was sent with all updated documents. This file stayed in review pending an issue with the 4506-t in which we sent to them 5 times however it kept getting rejected by IRS for an unknown undisclosed reason. On XX/XX/19 I confirmed with the servicer the 4506-t was finally accepted and the file was pending a decision. On XX/XX/2019 the file was denied for excessive obligations. The file was resubmitted with updated income showing a change in circumstances on XX/XX/2019 and denied again on XX/XX/19 however when it was denied I requested we go over the financials and at this time noticed they were not using the income and expenses from the submission dated XX/XX/19 they were using the numbers from the file submitted back in XX/XX/19. I advised there was a financial change in circumstances and the submission sent on XX/XX/2019 needed to be the one they were reviewing. On XX/XX/2019 I submitted a complaint to the escalations department stating they have not been using the correct income and expenses and also attached another copy of the XX/XX/XXXX submission for their review. To date I have not received a response on my escalation at all and was told by the servicer I will need to resubmit the entire file again although I just sent it a week prior. Also in the process of getting the run around with the loss mitigation review and miscalculating the income and expenses the lender sent a notice showing the investor as someone completely different than who it is. I called the VA and confirmed the loan is 100 % a VA loan however the investor they are showing does not reflect the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry from PRESTIGE FINANCIAL SVC I have not heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a XXXX XXXX and a XXXX card through XXXX XXXX they approved me and over the next few days closed my account. Then I go to apply for a XXXX credit card I guess through them and they denied me because of previous stuff with them. How can they approve me and turn around and close my account right away. Then because of that they wont give me a card for a different store. Then because of this since I didnt have credit with them really it is on my report how can I get that removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: CA
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 is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my XXXX AND EQUIFAX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date XX/XX/XXXXStatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated0XX/XX/XXXX Balance {$5600.00} Balance XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX i have called in to kentucky housing corporation main number, i work XXXX -XXXX XXXX est by the time i get off work they are closed unable to be reach. kentucky housing corporation has no complaint management system, they have not followed up with me, and disrespected me upon calling in and trying to get my account fixed, they reported my account in default have never contacted me back on XX/XX/XXXX i was transferred from the main line to collections to make a payment and got disconnected from. i am being forced to pay fees to make my payment and late fees and having my credit being reported badly as a missed payment. i've done my due diligence to make my payments set up online, except as i was logging in from XXXX they have cancelled my online access never allowing it to be restored. they are acting under fraudaulent pretences and have not captured any complaints i've made in calling to them. i want my fees paid back to me, my online account access restored, and a written letter of stating you are fixing my credit bureau, who i am also making aware of the terrible business practices kentucky housing corporation is handling accounts, and treating people with no respect like we are nothing to them just terrible people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation