BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, 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 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of these hard inquiries. The hard inquiry is result of what I believe to be identity theft and must be removed no later than 4 business days as per 15 USC 1681C-2.

Company response to consumer: In progress
Consumer complaint received 2023-08-30
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer adjustment placed a collection on my credit report for a XXXX XXXX XXXX. I have no knowledge of this debt and have disputed and requested validation which they have not provided. XXXX and XXXX also have not investigated this when I disputed it and report it accurate 1 day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at WELLS FARGO yesterday XX/XX/26. they stated that XXXX HAS TO GIVE WELLS FARGO written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX XXXX Her and I and Wells fargo were on the phone yesterday. The funds ARE sitting at XXXX XXXX to return to Wells Fargo when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But Wells fargo will not call XXXX XXXX because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a Wells Fargo account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from Wells Fargo calls them and Wells Fargo will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except 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 2023-08-31
Company: LEXISNEXIS
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX both my husband and I requested our annual free copies of our LexisNexis Consumer Disclosure. After receiving a letter in the mail with a URL and PIN to receive my report, I followed the directions to download my report and received a " File Not Found '' error. When we received the letter for my husband 's report, the same issue occurred. 

I attempted to call LexisNexis via their posted phone number however there is no option to speak to a person even though it was during their posted business hours. 

I sent an email to XXXX explaining my issue. 

On XX/XX/XXXX, we received another set of letters with new URLs and PINs to receive our reports and followed the instruction again. This time we are receiving an " Invalid Pin '' message asking us to call the number I called before that does not have a way to talk to a live person. Once again, it applies to both reports. 

There does not seem to be a way to speak to someone to gain access to our free annual report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I the dispute process with the XXXX  credit bureau, Equifax and XXXX  regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from Equifax nor XXXX  but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Within the last 90 days I received an offer to get a credit card that offered discounts to all purchases at Walmart. the promo intro page had a large picture of a MasterCard, giving the impression that I would be applying for a MasterCard from Walmart. I was approved and ended up receiving in the mail a store card that can only be used at Walmart.

Being that I was mislead and thought I was getting a major credit card, MasterCard. **I 'm requesting that the Hard Inquiry be removed from all credit reporting agency that it was submitted to. Also if possible, I still would like to receive an actual MasterCard in addition to having the Hard Inquiry removed. Since I have the store card, I'll just keep that also.

Sincerely, XXXX XXXX   Customer

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Transunion has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX XXXX  XXXX, also have included a photo copy of my Michigan state identification, and social security card so Transunion can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
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:
I filed bankruptcy and Wells Fargo every year said we was behind on our payments and we were not. So we got tired of it and surrendered our home

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 2019-09-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase credit card was not supposed to bill me until XX/XX/XXXX, instead, they billed me XX/XX/XXXX. I am a XXXX veteran and my check deposits into my account usually on the XXXX. They caused me a {$30.00} insufficient funds charge at XXXX XXXX XXXX and refuse to pay the over draft. XXXX refuses to erase the charge. THERE SHOULD BE REGULATION THAT CHASE SHOULD HAVE TO PAY THIS {$30.00} NSF CHARGE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I started receiving phone calls from my relatives onXX/XX/19 in regards to a debt owed. I had no recollection of the debt it was in regards to. PCR (Pioneer Credit Recovery) has contacted over 10 family and friends in regards to a debt I’m unaware of. Today, XX/XX/19 I received a call at XXXX at my job in regards to student loan debt that I have disputed the amount and received no additional information after the dispute. The guy that called my relatives and employer is XXXX XXXX. The number he called from was (XXXX) XXXX. I advised him to cease and desist calling my job and relatives and friends, as well as myself. I advised him to please email or mail me all correspondence in regards to this matter. The associate stated they’d continue to call my job and me because they work for the government and they have that right. Also, he advised me that my wages would be garnished. I couldn’t continue with the conversation due to being at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company name is REMEX , INC . They have called me at work on XX/XX/2023, demanding payment, telling me to borrow the money from someone. I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed. I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of $ XXXX per month - again he told me no, that it needed to be paid in full. After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. I still have not received anything, but have just noticed that this is now on my credit report However, this debt was paid in full to XXXX XXXX, XXXX - I expect Remex , Inc. to take this off of my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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: Information belongs to someone else

Complaint:
On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.

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 2021-06-16
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 written to Trans Union, XXXX and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!

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 2019-08-19
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have noticed a particular phone number show on my caller ID many times over many months.  Due to the societal issue of robocalls and spam I rarely even answer the phone any more.  Today I was feeling in a particular mood to try to call one of these numbers back to see if I can get it to end.  I chose XXXX.  When I got a person I reluctantly confirmed my phone number and name.  The woman on the other end XXXX?  asked me to confirm another household member's DOB.  I told her I was not going to do that. She told me she couldn't tell me why they were calling and I was going to continue to get phone calls.  I said I was not going to confirm information on a household member without knowing why I was doing so and she said "DROP THE ATTITUDE.  You speak to me the way I'm speaking at you or I'm going to hang up and you're going to have to talk to someone else."  I was astounded and this made me more angry.  She asked "Are you going to calm down and talk to me nicely or are you going to hang up?"  Needless to say I hung up and called back and spoke to someone who was actually helpful, XXXX.  XXXX told me that I was calling a collection agency and I was getting calls about a medical bill.  But when he looked into the file, he noticed that there was a XXXX balance, it was paid in XX/XX/XXXX (It is presentlyXX/XX/XXXX!).  He apologized and said he would remove my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Santander Consumer USA Holdings Inc.
State: NJ
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: Billing dispute for services

Complaint:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and XXXX  both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$550.00}. I did not get any type of letter from XXXX letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-06
Company: I.C. System, 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/2021 XXXX XXXX  I.C . System INC, Reported to my credit report for a account/balance of {$950.00}. I have sent multiple letters and reached out multiple times about this fraudulent account. This account is not mines and I have exhausted all resources of trying to have this account removed. This is not my account nor is it my debt. Please have this fraudulent account removed ASAP.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 found inquiries on my credit report that do not belong to 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 non-monetary relief