BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the whole medical debt in 2015 with another debt collector. Now this new company is trying to charge me another amount 4 years later that I paid my whole debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!

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 2020-05-17
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please delete and block these accounts from my credit for XXXX, XXXX XXXX, XXXX, XXXX, and 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 2021-08-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2021 I checked my credit report and found a collection account reported from XXXX & XXXX XXXX for a pay day loan in {$250.00} placed under my information. This does not belong to me and I haven't had any pay day loans and therefore needs to be removed off my credit report. 
I've called them and they refuse to provide any information.

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 2020-05-17
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company called Nationwide Recovery Systems is attempting to collect a debt that I do not owe. The date it was opened is XX/XX/XXXX. It is a medical bill for {$1500.00}. I have been XXXX in the XXXX XXXX system since XX/XX/XXXX and was released in XX/XX/XXXX. I have called the company about this Issue and they put me on hold for long periods, they had an address on file that Ive never lived in, I have asked them to provide proof of what I supposedly owe, they want my bank account information and every time I ask to speak to a supervisor I get disconnected. I have also disputed this through XXXX and they report my debt as accurate. I do not owe this medical debt I have been in XXXX  since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: LJ Ross Associates
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 a report of an unpaid electric bill was reported on my credit report for {$290.00} from LJ Ross Association for XXXX XXXX XXXX at an address I have never lived at. It was someone that put in my name with my social security number. I have lived at my same address for the past 3 years and before that 2 other apartments in the past 4 years and then before that was the home I grew up in. I have never even had an electric bill put in my name and it has always been in my husbands name. I called the given number on my XXXX XXXX app for the debt collector and they told me I had to file a report to get it taken off my credit to prove identity theft. I hope you believe what I am saying and I can provide proof of my address if asked. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I did not authorize nor give consent to the following inquires being furnished on my consumer 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX XXXX  Account number : 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 2020-07-02
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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have written to Wells Fargo a number of times and have previously submitted complaints. because of your action, we get a call from Wells Fargo. A very nice lady gets on the phone and tells us how they will be helping us and then nothing gets done. 

We have also looped in our attorney who has called them but still we do not get any acknowledgement of our request. What we are asking for : 1. Forbearance until XX/XX/XXXX. 

2. Deferred payments to be due at the end of the loan as mentioned on the XXXX XXXX website. 

3. A change of accounts from which the mortgage payments will be automatically withdraw.

I am attaching a copy of my letter of XX/XX/XXXX and a copy of their reply, undated and sent by XXXX  ( see copy of shipping label - ship date XX/XX/XXXX ) We received no reply by XX/XX/XXXX as mentioned in the Wells Fargo letter

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 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Initially, I contacted BOA regarding an issue I had with how this account was being reported. In XXXX, I began noticing very " unusual '' activity on my credit file in which I tried disputing and then let fall behind because the task of proof on my end was seemingly difficult as stated in my first complaint : XXXX ( see attached ) to BOA regarding this very thing. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

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 2020-05-17
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: Account information incorrect

Complaint:
I opened a XXXX XXXX XXXX XXXX  account last year to help build my credit. XXXX as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. XXXX XXXX  choice to take from a XXXX card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about moneylion messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: LA
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:
Dates : XX/XX/2019 and XX/XX/2019 On XX/XX/2019 and XX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Experian initial investigation, I sent them a second letter informing them I was in disagreement of their findings, because the inaccurate accounts were still on my credit report. At that time I ask for a reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Experian or deletion of the accounts.

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 2019-08-11
Company: Yamaha Motor Finance Corporation USA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THe Thomas Agency has called twice now, from an unidentified number, to leave messages stating I owe a debt to XXXX Hospital. I have verified with XXXX Hospital TWICE that there is no outstanding amount due. First the agency should not be calling from an unidentified number. I can only assume they don't want people to answer the phone. 

Secondly I have never received any written communication from the Thomas agency, only random pre-recorded phone calls that are made to my cell phone once the office is closed for the evening. 

I have twice now immediately called back only to be directed to an automated service, as the office is closed when these calls are generated. I have left messages that they are not to contact me via phone and to only contact me in writting. Additionally they need to verify what they are trying to collect with their client. 

.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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:
n accordance with the fair credit reporting act this agency XXXX XXXX XXXX Account number XXXX has violated my rights.

15 usc 1681 section 602 A. states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-17
Company: CL Holdings LLC
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been attempting to contact Jefferson Capital Systems for the past 2 months. Every time I call, I get an automated phone system. I follow the prompts to talk to a customer service rep, and the system disconnects me. It does not even put me on hold in a queue. I am XXXX  working for the XXXX as a XXXX, and I make the effort of staying up late to call during different times, including when they first open for business. They have no business e-mail listed for correspondence. I have attempted to use their automated system to get my account details from them, and the hopes of actually talking with someone, but every time I do their system states " We can not find an account with the information you provided '' which I used my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 opened a credit card with USAA, as well as a checking account for me and my then-minor son. We used them responsibly. We never had an overdraft, never a late payment, never a NSF, never a issue of chargebacks, nor any other banking issue. We received letters in XXXX that USAA decided to close our accounts, and the decision was final as well as they would not ex-lain why this was happening. It was very inconvenient to have to quickly update auto-pays, move money, open new accounts. It was especially frustrating because we had no negative history with the company, since the relationship began 5 years ago. My credit score is XXXX, my sons is XXXX. I think it has to do with XXXX but I am unable to prove that since the company will not release any info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: PA
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:
XXXXXXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

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