BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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:
They would not allow me to submit fraudulent information online and wait times on phone are over 30min

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 2020-06-05
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2020-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2017-12-17
Company: Army and Air Force Exchange Service
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.

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 2020-06-02
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:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The person on the line said they were from Experian. They said I was eligible for a lower interest rates on my credit cards. They asked me for my credit card information all of the debt that I was owed. Plus all of my credit cards numbers. They knew my Social Security number. Which led me to believe they were reputable. They asked me for my birthday date.Then they asked me to pay them a fee. Which then I didnt and they hung up on me. Which left me with an unsettling feeling because they had all of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

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. I feel like I'm being taken advantage of and being ignored of 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 on 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 litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Account status incorrect

Complaint:
I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a final notice of pre- legal notification from a company called XXXX XXXX XXXX regarding a collection for an XXXX  credit account through XXXX XXXX.I never opened a credit card for XXXX as all my purchases are paid on a debit card. I have never heard from this company until I applied for a student loan for my child.

Suddenly I receive a final notice for the amount of {$490.00} I didn't apply for. They allege a charge off date of XX/XX/2017. Also an unknown address shows up on my XXXX credit report along with this company. Numerous online complaints state this is scam company.I owe them or synchrony bank nothing I assure you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from 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 2020-05-06
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I sent a request for documentation to Specialized Loan Servicing Consumer Complaint Division. I requested three specific types of documentation, all related to fees I was charged at closing that I believe were unallowable, unreasonable, or not incurred, including attorney fees for services that were undocumented, unnecessary or not-incurred. 

I requested, by XX/XX/2020 : 1. A detailed itemization of outstanding fees/corp. Advances 2. A full explanation for a {$1000.00} error in the last payoff statement provided by SLS, good through XX/XX/2020, and used at the XX/XX/2020 closing. 

3. A final, detailed accounting for the full {$8700.00} escrow/impound advance balance. 

As of XX/XX/2020 I have received no response, by email or post. 

I did receive a " payment notice '' with additional charges added to the " past payments breakdown. ''

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 2020-12-05
Company: CITIBANK, N.A.
State: FL
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:
5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. I scrutinized all reports from CRAs and found out several fraudulent accounts were opened without my knowledge. One of them is XXXX/ XXXX account which was opened and being activated in period time XXXX-XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. So far some fraudulent accounts are satisfactorily resolved and deleted from CRAs. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. I think this is enough, In the past 5 months I sent out 5 dispute letter to CBNA fraud Dept and they ran 3 times re-investigation for the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigation steps. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lack of cooperation in this matter.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2018-02-05
Company: First National Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me. 
She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my 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 2021-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them and that I felt uncomfortable when I have never seen the place. They then went on to charge my card without my approval for the place stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. My account was charged {$500.00} dollars additional and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo to report the funds and have them stop the funds and to open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. They went on to say that I authorize the funds when I did not as my card was attached to XXXX XXXX and the scammer ended up charging my account for {$500.00} dollars. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XX/XX/XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2023-04-20
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pro collect debt collector keep calling me from multiple numbers about a debt collection that I see on my credit report from fall and XXXX XXXX XXXX  for the amount out {$1700.00}. I have no knowledge of this collection and I would like for them to prove a contract to me if not I would like for this debt to be removed and for them to stop calling me immediately. Thank you.

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 2021-02-12
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital accounts claims they have a debt that belongs to me. I have asked repeatedly for written proof be sent to me with my original signature. They have refused to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company took over my mortgage in XX/XX/2018 and has been completely negligent in their handling of my escrow and homeowner 's insurance from day 1. They overpaid HUD, shorting my escrow and thus calling for an increase in my monthly payment. Then they overpaid ( TWICE ) my homeowner 's insurance, again shorting my escrow and trying again to raise my mortgage payments. 

NOW they have underpaid my mortgage insurance premium by {$13.00} to XXXX XXXX, risking my home not being insured which would put my FHA mortgage at risk. I am 100 % sure they are doing this in an attempt to force my mortgage into one of their insurance programs to try and steal more money from me. This company needs to be put out of business. Their business practices put people 's homes at risk and are obviously meant to try and make their books look like they have higher mortgage payments coming in than they really do.

Company response to consumer: Closed with explanation