BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
On Friday XX/XX/2021 the company was sent a certified letter with an return reciept attached regarding an alleged debt. 
The company has not acknowledged nor updated with an rebutt or response. The company has violated my consumer Rights under Federal law. This company has furnished my personal information to credit bureaus as well as third party debt collectors. This company also submitted detail transactions as well as factual information, which is prohibited Under 15 USC 1681- ( a ) Accuracy and fairness of credit reporting ( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to 15 USC 1681 ( a ) and ( e ) -all investigations must include interviews with family, associates and neighbors. The company has failed to provide validity on this debt. I also mailed this company an cease and desist letter via certified mail with an return reciept included, All communication regarding this debt still hasn't been ceased nor has this company has invoked a specified remedy. According to FDCPA 15 USC 1692c ( 1 ) ( 2 ) ( 3 ) - Ceasing Communication. Consumer Law states that- if such notice from the consumer is made by mail, notification shall be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period

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 2019-10-15
Company: Byrider Franchising, LLC
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: Account information incorrect

Complaint:
CNAC has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/XXXX showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many  negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
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: Information belongs to someone else

Complaint:
My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES EQUIFAX, XXXX, AND XXXX  and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on  my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies EQUIFAX XXXX  AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to get a credit report from XXXX to apply to an apartment on XX/XX/XXXX. I saw that my credit score was over XXXX points lower than the last time I checked because I supposedly opened an account with XXXX MOBILITY on XX/XX/XXXX and owed {$1600.00} which was sent to Sequium Asset Solutions for collection. The problem is that I never opened an AT & T account at all. I called Sequium and they said they couldn't pull up my account based on the account number I could see on XXXX - XXXX - or my name. They said I had to give them my social security number. This seemed very suspicious to me and I refused. I asked to speak with a supervisor and they said I could not. They said I could give them the last four digits of my social which I did. They found my account. I confirmed that I did not open the account or give permission to anyone at any time to open any accounts in my name. They asked me if an email address was mine that used a variation of my name and it was not mine, which tells me this was a case of identity theft. They asked if I recognized an address which I did. They asked how long I lived there and what my current address was. They gave me a link to report fraud with XXXX XXXX XXXX. When I went to the link it also asked for my social security number and wouldn't let me submit my report without it. I did not trust this. I sent Sequium a certified letter telling them to remove this debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. I disputed the fraudulent information ( JPMCB CARD ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: WELLS FARGO & COMPANY
State: NY
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:
Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my credit report.

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 2018-01-10
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: Account status incorrect

Complaint:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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 2022-01-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
None of the options listed were relative to my situation so please only consider my written complaint. Due to Covid economy, we were having financial hardships. The financial hardship prompted me to go over all of our contracts. While going over our vehicle loan contract we noticed that the contract was NOT valid. It had never been signed by the dealership. It states right on the contract that if the contract is not signed by a dealership representative, the contract IS NOT VALID. I wrote WELLS FARGO on XX/XX/2021 ( registered mail ) and requested that they provide proof of the contract 's validity. I also sent them a copy of the original contract showing the error. My request was for them to release the title to me OR reimburse all monies paid under the contract plus a percentage of the finance charge. WELLS FARGO received my complaint on XX/XX/2021 at XXXX. WELLS FARGO replied back with a letter and stated that they had carefully reviewed my complaint and found that the contract was indeed valid. WELLS FARGO attached a contract to the letter for the same vehicle except that not one of the signatures were my own. Every single signature on WELLS FARGO 's copy was noticeably fraudulent when compared with the original. I did not then nor have I ever given any person or entity permission to sign my name on any legally binding instrument. I then wrote them again XX/XX/2021. I expressed my frustration and sent them a bill of my own which included the release of the vehicles title to me plus monetary compensation, among other things for attempting to coerce me into continuing to pay under a fraudulent contract. I requested that WELLS FARGO reply within 10 days since that would be well over 30 days with no resolve to this issue. It has now been XXXX full business days, and WELLS FARGO has failed to act in honor and I still have no resolve. Today I am submitting this CFPB complaint for the XXXX time and plan to file with all other relevant regulatory agencies within this week due to WELLS FARGO 's negligence in hopes to prompt resolve and avoid legal action.

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 2018-01-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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 2019-04-21
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
I sent a letter to XXXX XXXX back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to Equifax and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
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: Report provided to employer without your written authorization

Complaint:
I sent a letter to XXXX XXXX back in XX/XX/XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XX/XX/XXXX, without permission as this account had been closed back in XX/XX/XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX  and TransUnion, more than once in XX/XX/XXXX & XX/XX/XXXX with no success of getting the requested validation of the debt as being accurate.

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 2019-04-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Home equity and VA loan application. 
2019 XXXX XXXX XXXX, d/b/a XXXX XXXX. XXXX XXXX is a registered service mark of XXXX XXXX XXXX. 

XXXX credit score Please investigate XXXX XXXX, XXXX, Experian, and XXXX ; additionally I could not get access to any of these companies today online, Why? I would like to write a complaint and protest dispute on each reporting credit company. Why, no access online today for my written disputes? 

XXXX credit score XXXX, seem to be collusion with XXXX XXXX, XXXX  XXXX, and Experian XXXX. I just paid down all my debt credit cards, XXXX XXXX, and my scores were ridiculously low. 

Access to dispute credit scores and to stop inappropriate collusion of credit reporting agencies! No online access today XX/XX/2019 Again, please investigate all four credit agencies and their practices or malpractices. Why did the three credit agencies develop XXXX in the first place? 

Age discrimination, possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA

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 2022-01-13
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:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Higher Education Servicing Corporation, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was under the impression that due to the COVID relief act that student loan repayment was on hold until XX/XX/2021. My servicer has been trying to collect and also charging me late fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The telephone number listed is my place of employment. I have requested this man stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX. 
He has called every day this week and I have repeatedly asked him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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 recently disputed all three of my bankruptcies. I still have one that experian is reporting valid and accurate. However, they are not providing the vendor/method of verification that theyre using. First ( Experian ) advised it was XXXX XXXX that verified the accuracy of my bankruptcies. I contacted XXXX XXXX they corrected and removed the bankruptcies. I contacted Experian and advised of the change. Experian still didnt remove it. They then said it was the court house. I contacted the court house they advise they do not speak nor send anything to third parties. I would like for Experian to provide the name of the vendor thats currently providing the inaccurate 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