BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the update or deletion of the following inaccurate items. Thank you. 
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 non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaccurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a 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 2021-02-14
Company: LEXISNEXIS
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed 3 certified letters with return receipts, first letter was sent out XX/XX/XXXX an received XX/XX/XXXX asking Lexisnexis to Verify Public Record of Bankruptcy or to delete account also included was a letter from the Court saying that " they do not give or sell any information to third parties '' and I never got anything back from lexisnexis nor did they mark the account under dispute or notify the 3 credit bureaus of the dispute. On XX/XX/XXXX I ordered my consumer report to see if lexisnexis might of marked the account under dispute but they didn't. Second letter was sent out XX/XX/XXXX an received XX/XX/XXXX it was a follow up letter do to lexisnexis not replying to my initial letter an how they violated federal law. Lexisnexis took 24 days before acknowledging my second dispute an on that 24th day of XX/XX/XXXX lexisnexis then marked the Public Record of Bankruptcy under dispute, but did not notify the 3 credit bureaus of the dispute and on XX/XX/XXXX which equals a total of 66 days from initial letter with follow up letter to get a response lexisnexis replied claiming they Verified that Bankruptcy is accurately reporting to my consumer report but lexisnexis also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. Third letter was sent out XX/XX/XXXX asking for Method of Verification and asking lexisnexis to send documents of proof or to delete the account and on XX/XX/XXXX lexisnexis then responded claiming they Verified that Bankruptcy is accurately reporting, once again with out Providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1800.00} XXXX  XXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: DC
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 sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I moved out of my apartment in XXXX XXXX XXXX in XXXX Arizona on XX/XX/16. At the time, I signed a document stating that I was closing out my lease and that there were no charges owed in addition to any fees agreed to upon taking the lease ( security/cleaning/pet deposit, etc. ). 
The apartment complex then re-rented the apartment to another tenant on or around XX/XX/16. 
I was NEVER notified that the apartment complex was stating that I owed {$420.00} for " damages '' to this apartment until I found out that I was sent to collections for this amount. In XX/XX/2016, I disputed the charges directly with the apartment complex and the collection agency and all 3 credit  agencies. However, the debt is still listed as owed by me on my credit report. 
I just recently disputed these charges again and the apartment complex collection agency sent documentation ( which I never received before ) and which is clearly altered and fraudulent stating that AFTER I moved out on XX/XX/16, they found damages ( when another tenant was already renting the unit ) and providing " proof '' that I signed off on these charges. This paperwork is fraudulent! It was clearly altered after I left and dated it after I signed all the paperwork and moved out!!! I was never notified that XXXX XXXX XXXX stated that I owed {$420.00} ( over my other deposits ) and that they had sent me to collections. 
A search of XXXX will show that this is a known and common tactic of this apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports 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 explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced through Wellsfargo a month ago it finally closed. Throughout the whole process, there was confusion, lack of communication. 

The reason we are filing the complaint is, Wellsfargo made the decision to close our XXXX  XXXX XXXX line of credit without our permission, without informing us they were going to do so. We are now without a line of credit to work on our home. 

I made complaints within Wellsfargo, asking them to have XXXX  XXXX XXXX to re-open our loan. We are also hit with a early closing fee of XXXX from XXXX XXXX XXXX. All of this was done without our permission. 

Our complaints within Wellsfargo were responded to a lot of words that just said, 'sorry about that. ' That doesn't help us. Wellsfargo made a decision that we did not authorize them to do. I have emails and letters to support my complaint.

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 2017-07-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Client Services, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CLIENT SERVICES INCORPORATED I reject there offer to contract I did not consent to any NONAFFILIATED THIRD PARTY DEBT COLLECTOR CLIENT SERVICES INCORPORATED # XXXX to be in possession of my Nonpublic Personal Information. THIS IS A MAJOR VIOLATION OF THE GRAMM-LEECH-BLILEY ACT, AND THE FEDERAL TRADE COMMISION ( FTC ) CONSIDERS MY PRIVACY VERY CRITICAL. I never gave any permission TO CLIENT SRVICES INCORPORATED use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications. I am NOT requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter XXXX STATING that SXXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CLIENT SERVICES INCORPORATED AND THEY BOUGHT IT. I now have reason to believe THEY YOU ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN XXXX CLIENT SERVICES INCORPORATED THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY ( CLIENT SERVICES INCORPORATED ). THE FAIR, DEBT COLLECTION PRACTICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) CFPB, WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) AGAIN CLIENT SERVICES INCORPORATED WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH CLIENT SERVICES INCORPORATED NOR DO I DESIRE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Brent D. Stamps, Attorney at Law
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Law Office of Brent D Stamps called to settle a debt that I am currently disputing. Mr XXXX  filed a legal action stating we owe a debt to XXXX XXXXXXXX Mr XXXX  was tiring to settle the debt when I expressed my concerns that the billing codes we wrong, the hospital did not follow covid protocol and incorrectly billed the provider. After I provided my supporting documentation, Mr XXXX threaten me with moving the case he filed in the XXXX XXXX XXXX XXXX to state court knowing I would incur additional fees and need an attorney to proceed if I didnt settle. When I refused, Me XXXX  ended the call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: WV
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:
This problem started with the XXXX credit bureau and now has ended with me having the current trouble with the Experian credit bureau. The issue with XXXX was resolved. However EXPERIAN has not budged and has not took the steps to provide me with a full, true and complete investigation. I have also contacted the Creditor about the incorrect information via mail with no response! 
The below creditor has reported false and inaccurate information to all of the credit bureaus and EXPERIAN IS THE ONLY BUREAU THAT REFUSES TO DELETE THIS INFORMATION. Again I have requested the method of verification from the EXPERIAN credit bureau and the creditor XXXX  also know as XXXX AUTO AUCTION also known as XXXX XXXX also known as XXXX XXXX ( below are the dates and debt amounts that are listed on my Experian credit report that are false ). 
Please note that this business and it's owner has been in constant trouble with the law in XXXX Virginia for illegal and fraudulent activities, which has caused/ XXXX XXXX to change the XXXX  to XXXX  and have XXXX XXXX become the associated XXXX  XXXX. 

I have in the past had a rental property lease with XXXX XXXX in XXXX of XXXX, for a 12 month term for XXXX XXXX XXXX XXXX, VA XXXX. The rental agreement amount was for XXXX monthly. This was over 5 years ago and XXXX XXXX has this debt listed as an installment account with " XXXX ''. This lease was not signed under any XXXX. Also XXXX XXXX is reporting that this debt is currently late and its a lease account that has a current balance of XXXX. This lease was signed over 5 years ago so that certainly couldn't be correct. This man has this account on my credit as if it is still billing me monthly ( at the current time ) and I am XXXX past due. THIS IS SO FRAUDULENT, how is this even allowed. I have been affected by this financially because of this big negative factor. XXXX XXXX updated this balance just XX/XX/XXXX, but has yet to respond to my many letters. Also big big big thing XXXX. XXXX HAS THAT THIS ACCOUNT IS OPEN. This rental property was leased in XX/XX/XXXX. I have lived in several other places since then. How does a rental property lease stay open like that. I spoke to the XXXX XXXX virginia clerk and she was blown away. 

The information that he orginally reported to EXPERIAN was : XXXX was XXXX XXXX XXXX XXXX INSTALLMENT ACCOUNT OPEN XXXX A MONTH LATE XXXX THE AMOUNT TO XXXX A MONTH 180 DAYS PAST DUe but the date of the 1st delinquency was showing XX/XX/XXXX terms XXXX term monthly months revd 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 2019-04-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.

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 2022-07-17
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened a new account with ETrade. They keep putting my account in restricted state for no rhyme or reason. Whenever they do that, they ask you to call their Account Activation Services Department and they proudly mention that the wait time to talk to this department is always an hour plus. 
This is the second time they have put my account in restricted state. 
First time they did that, it took almost an hour to get it resolved. 
For the second time, they put my account in restricted state, I am summarizing my experience below. 
My first attempt to talk to this department, I had to give up after an hour and 15 minutes. I called the regular customer service after that and they said that they have put in a request for a callback and someone will call me back in 24 hours. It has been 5 days and no one has called me back.

My second attempt to talk to this department, I waited for an hour and 24 minutes before someone picked up the phone. This lady then won't give me any reason as to why they they keep doing that, then she demanded that I send her some hand written letter saying that this is my account. That is the most non sensical thing I have ever heard from any bank. Finally she said that she will try to find someone who can remove this restriction but evern after being on hold with her for more than 2_ hours, she could not find anyone. She said she will call me back the next day and that did not happen either.

My third attempt to talk this department, I had to wait an hour and 20 minutes to talk to someone. This guy was so rude that he hung up on me when I asked him what happens if I dont send this hand written letter. 

At this stage Etrade is holding my funds as ransom even though it is a total of only {$10.00} which they clearly know was transferred from my linked XXXX account. 
They have failed to provide me monthly account statement for this account which I believe is a violation of their bank charter. 
And if this was not bad enough, I keep getting calls from some other Etrade reps who want me to give more business to ETrade. 

It is pretty obvious this bank is being run by some brain dead idiots.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A friend of mine from high school first called me 2 weeks ago stating a debt collection agency had contacted her, seeking out for me. She informed them that I was out of the country and had no means of communication with me. This week they have called her again and she contacted me about it. Once I asked her how many times they called, she told me this week was the third call made. 

Are they allowed to repeatedly call third parties?

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 2023-04-26
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dobberdtein Law Firm won a judgement and there was a garnishment stipulation put in place. My debt has been paid in full and I had the proof that indicates that I in fact am due a refund for overpayment of {$62.00}. I presented them which payment check stubs that show the amounts paid per said stipulation and I sent the original document indicating what I owed. Its simple mathematics subtract whats owed from what was paid. Dobberstein is still saying that I have a balance owed, but has not showed any documentation to confirm their position. Neither have they provided any proof to dispute my position. It took me 2 emails and almost 2 weeks later to even get a response and the response is vague and not believable. I feel that they are unjustly targeting and bullying me as per I am a minority and a older woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed my credit report and noticed the collections account for Sunrise XXXX Services for an old XXXX account I had closed when I moved. I paid it off, either to XXXX directly or through Sunrise. This note is even in the file for the account. I spoke to a representative at Sunrise and she couldnt find me in their system, therefore I would like the entire account deleted from my report. Please let me know what I need to do for this to happen and happen quickly.

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