BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
Hi, I have several issues with XXXX but the most recent Im very hindered by. XXXX is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through Credit Karma for XXXX XXXX  and said I was approved for a XXXX Credit Card cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and XXXX has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed the student loan account with XXXX for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

US DEPT  ED XXXX, US DEPT ED XXXX, US DEPT XXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX and US DEPT ED 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 2021-09-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Recently filed a complaint and the company requested more information. I provided this information invalidating their claim of valid information reporting again and they continue to report the information. I am requesting information for the validation of these accounts as proof a validation. I have requested this information several times prior to this and the other complaint. I have emailed the executives of Experian to review this information as well and to no avail no response but updates of the same information. The company is in violation of my FCRA rights as a consumer to have accurate reporting information on my profile. I will attach the proof from the reporting agency XXXX XXXX  that this credit reporting agency claims to get this information from. I have also attached a copy of the email to the executives of Experian.

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 2017-11-16
Company: Navient Solutions, LLC.
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:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for XXXX years. Please remove them from all three credit reports. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been called three times by a mortgage company. The first time I got their info and told them to take me off the list. Then they called again two hours later and again the next morning at XXXX. They are harrassing me. All three times I've told them to take me off the list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: HI
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:
Equifax is reporting a credit inquiry on my account This is a request to remove the following inquiries that were made without my expressed permission. XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX   Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
WFXXXX is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. WFXXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. WfXXXX  also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting WfXXXX delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

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 2017-07-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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 have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple addresses are inaccurate. Please have the credit bureaus remove expeditiously

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 2018-01-26
Company: UNITED SERVICES AUTOMOBILE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are a couple missed payments on my USAA card, i have since paid the amount due and late fees and the late marks have not been taken off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: The Hamilton Law Association
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Hamilton Law Association, P.A. in Florida has on several occasions called me attempting to collect a debt I do not owe. They are looking for a woman I do not know ( I am a XXXX ). I 've told them they have a wrong number and asked them twice on the phone to stop calling me. I also just sent them an online request to cease calling me. 

Their latest call was today XXXX XXXX/XXXX/XXXX XXXX, but I recognized the number ( XXXX ) and ignored it.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-11
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency, I.C. Systems Inc, has listed a collection account on my credit files in the amount of {$370.00}. I have never done business with I.C. Systems Inc. I do n't have a signed contract nor any other type of contract with I.C. Systems Inc. I have the right to demand to see a signed contract between myself and this company as well as validation of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and I.C. Systems Inc.and complete validation of the debt pursuant to FDCPA.

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 2017-11-16
Company: Valentine and Kebartas, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive continuous calls for an individual even they can not pronounce the name. XXXX XXXX?? Must be under a number I received from XXXX XXXX years ago. XXXX. Those calls forward to my cell phone XXXX. I have asked and even called back when I am hung up on to stop calling and remove my number. I am told I do not own the bad debt account and cant speak on behalf of account to remove phone number. This will be year 3 soon that I keep getting phone calls.
Some calls I loggedXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A lot of calls happen while I am driving or at my kids school event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
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 have been disputing an inaccurate account on my credit report with Experian, XXXX, and XXXX, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my Experian report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX XXXX and the account was already charged off during XX/XX/2017, not 90 days late. Experian should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what Experian is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On XXXX, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what Experian and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix 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 2017-12-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was supposed to be the recipient of a wire from XXXX XXXX on XXXX XXXX 2017 in the amount of {$3800.00} into my Chase Business account. The company sending me the wire put my name, company name and address on the wire instructions. I never received the wire so I called Chase bank multiple times to find out what happened. They told me that it went into the wrong account despite my name being on the instructions instead of the wire being rejected like it should have been instead they put it into another Chase account of someone elses. The sender had put in a request for the wire to be recalled almost immediately after it was sent when I told them I did not receive the wire. The sender went back into XXXX XXXX and put in a recall for Chase to return the wire which they ignored and subsequently the person that received it instead of Chase recalling the wire they ignored my multiple calls and did nothing. A rep on the phone from Chase had told me that person that received the wire withdrew all the money within 5-6 days and that the account had insufficient funds and actually owed Chase money. I continued to call multiple times and spoke to a higher rep whom told me that he would put a claim in that was 4 months ago and I have heard nothing back from them. The higher rep told me that they would put a lien on the recipients wire and the money would be returned to me which I have not received or heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I  have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not solicit this company for their business XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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