BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX that reports on my credit report is reporting an Incomplete Account Number of XXXX This Inaccuracy was recently disputed for the first time for this specific reason and mailed out on XXXX XXXX and Delivered XXXX XX/XX/2020. USPS Tracking # XXXX. Therefore the dispute summary dates below are FALSE quoted from EXPERIAN 's response of XXXX___ >>They had responded and " verified '' that the disputed information was accurate as reported. The dispute result summary was sent to you on >>XX/XX/2020, XX/XX/2020 and XX/XX/XXXX, XXXX<<To help protect against fraud, we do not display complete account numbers. For the same reason, many credit grantors do not report your exact account number on the personal credit report<<___Therefore both parties are in Violation of the Fair Credit Reporting Act section 609 by not reporting 100 % accurate information as legally required per the FCRA.I request this account to be removed from my report for FCRA Violations .

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 2021-08-13
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:
There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. Experian Has Been Notified Several Times About These Issues And They Still Remain On 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 2018-04-10
Company: EQUIFAX, INC.
State: AL
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 certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I XXXX XXXX XXXX lost my wallet approximately by XXXX in XXXX XXXX CA. Since then, i have a lot of issues every year to fight against different fraud activities under my identity. The one of the last one is open under my name as a fraud account " Sears/cbna '' on XX/XX/XXXX with account number # XXXX with balance due {$850.00} Dollars. I never apply, i never received, i never used it and i didn't know about this account until appear under my name as a " charge off " account. I try to fight and fix this issues but, they advise me to report this account and sent a copy to the credit card bureau.

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 2020-12-11
Company: Resurgent Capital Services L.P.
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 XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Waypoint Resource Group, LLC
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 XXXX XXXX, 2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

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 2023-10-10
Company: Synovus Bank
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
First Progress is paid off and closed. I've reached out to them to remove the closed account from my credit. I also dispute it with all three credit bureau and still it's being reported and still on my credit. 

XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still being reported on my credit XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still it's being reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I dont know what happened but my account is being closed I was told I had 3 days to withdraw my money so I went to the bank while I was working and it was a hold on my account I paid my rent from that account and now they made where my rent payment didnt go through now Im being charged fees because they put a hold on my account now when I tried withdrawing the money from the bank like the representative told me over the phone they could withdraw the money because the person who put the hold there have to release the hold I need my fund to pay my rent there talking after three days about sending a cashier check when I deposit he money in my account the day before they supposedly closed my account now I cant get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes

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 2020-12-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I did a mobile deposit to my bank. The check was made out to myself and the estate of my father. y father passed away in XX/XX/XXXX and I didn't know about needing an estate account to put the funds into. My bank, instead of rejecting the deposit like it says in their policy, decided to place the deposit on hold due to it being issued to an estate and myself. I have repeatedly asked them to reject the deposit so that a new check can be issued to just me. My bank is refusing to release the funds back to the issuing bank stating that it can only be deposited into an estate account or returned to issuing bank if said bank requests it or puts a stop pay on check. Issuing bank can't put a stop pay on the check because it has already been paid out to my bank. I need help to get my bank to release the funds back to the bank issuing the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have called the credit bureaus to remove hard inquiries on my report that are not mine

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 2023-04-16
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXXXXXX  I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX XXXX. I attended XXXX ( merged with XXXX XXXX  in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-02-08
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I was trying to pull my free annual credit report from Equifax but it doesn't let me print it online because it failed me several times in verification of my identity and it's asking for a numerous requirement to mail to get it thru mail also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Freedom Mortgage abruptly stopped taking out automatic mortgage payments from our account with no warning or written explanation. In the following weeks when my wife noticed she immediately called to see why the payment hadnt come out. They said that she was in bankruptcy and they couldnt speak to her without her lawyers permission. This was false. She was not in bankruptcy or tied to any bankruptcy and so she doesnt have a lawyer. I, her husband who is not a borrower filed a single chapter XXXX bankruptcy and they said that somehow our previous mortgage company XXXX XXXX  triggered this into their system. Anyway they said there would be no late payment because its not my wifes fault but we would have to send checks until my bankruptcy was over. My wife immediately sent the check and we continued on time ever since. They lied and were dishonest because they still reported a late payment to all credit bureaus. When we spoke to several supervisors they all acted as though they wanted to help and they were on our side because the late payment was not our fault. However, they still came back with the conclusion that they were right in reporting the late payment to the credit bureaus with no explanation. My lawyer explained that in her bankruptcy practices she has never experienced a mortgage company that froze the account due to the single bankruptcy from a no borrower and that this was crazy and absurd. My wife was planning on refinancing and now they have made that impossible in the near future because of their dishonest and immoral business practices. If we didnt have the money and/or didnt make payment on time for that reason then we would take responsibility. This is clearly not the case. We have a lawyer right now that is willing to file a suit against them but we are weighing our options because we will have to pay the legal fees if we settle and we know that they will settle because they are 100 % wrong. Freedom Mortgage should be ashamed of their selves for taking advantage of working families during a global pandemic. I will pursue this to the furthest extent of the law until it is rectified and this is only the first step.

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 2023-04-16
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about Friday XX/XX/2023 I made an attempt to reach out to Wells Fargo concerning my application for Mortgage Assistance was received. However I was misinformed that I put a cease and desists order on the Mortgage Account which is not true. And then later on that day I receives these two documents in the mail stating a new payment amount pertaining to the mortgage. But yet they has my home scheduled for XXXX XXXX on XX/XX/2023. And Im left in suspense because Im willing to pay the new mortgage amount and move on but Wells Fargo refuses to communicates with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMCA Collection agency have listed this debt for several years representing XXXX XXXX XXXX XXXX. It was settled with one of their many collections agencies XXXX XXXX XXXX. I am sure this debt has been paid more than once, most recently XX/XX/2018. Either they of XXXX XXXX have not corrected their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm filing a complaint against XXXX  and TransUnion regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
TransUnion file # XXXX and XXXX file # 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