BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: VA
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 contacted XXXX  and Equifax regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to XXXX  and Equifax again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For the past few months Wells Fargo has been increasing my payments each month. Although I have not been charging over XXXX each and every month. 

The increase is only due to my amount of saving in the account, I have been saving money to pay for my soon admission to a XXXX home, my savings are NOT DISPOSABLE INCOME!, Wells Fargo is trying to extort money from me since as a result of my saving amount in the checking account. 

Wells Fargo could care less that, I am a XXXX XXXX XXXX XXXX citizen on social low social security XXXX income. 

these increase in fees are inhibiting my ability to meet my basic human needs of food, prescriptions etc rent etc. but Wells Fargo has absolutely no value for me as a loyal for over the past 10 years, they just want my money, they dont care that my refrigerator is bare, I cant purchase my XXXX  and XXXX medication this month.. I now have a XXXX notice, before a XXXX is available at the XXXX home.. 

Wells Fargo stipulated, The rule is for increasing monthly payments, is when you charge more then XXXX per month your fees go up, I havent been charging no where near XXXX per month, rarely charge anything in that card!

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 monetary relief
Consumer complaint received 2018-10-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my XXXX  credit rep. I saw THIRD PARTY SUPPLIED Information. 
It was submitted without my consent, and in violation of my identity privacy rights. 
There was too much too confidential information. 
I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. 
I spoke with XXXX, Employee # XXXX. 
Her number is XXXX. 
CHEX SYSTEMS is XXXX. 

XXXX Is in XXXX, MN. 
I explained that I am very very disturbed by what I see on XXXX  about my home. 
That it looks like someone wanted to lend me money for a car, against my home maybe? 
The company is XXXX XXXX. 
But I dont know who they are and never heard of them. 

I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. 

XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? 

I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. 

She promised to mail it to me. 

XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. 

I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX  Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. 

XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2021-04-07
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Services of XXXX, MS appeared on my credit report at the end of XXXX, XXXX. They allege I owe them {$80.00}. I don't know them, I have never heard from them, and I most assuredly do not owe them {$80.00}. XXXX, the nonprofit legal firm that assists XXXX, XXXX senior citizens  wrote them on my behalf at the beginning of XXXX. Helps told Mr. XXXX that I am an XXXX XXXX receiving only protected social security income, and that there was nothing to be gained here. Instead, Franklin Collection constantly updated my credit report on XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. This lowered my credit score 26 points. This was totally unnecessary and abusive, oppressive harassment in it's purest form. For the record, I have been an XXXX XXXX XXXX customer for years and they do not have a problem with me. So, I really don't understand why Franklin Collection Services took it upon themselves to harass a XXXX senior citizen in the middle of a global pandemic. My only concern right now with my underlying health conditions  is trying to stay alive. I would appreciate it if these folks would delete this from my credit report and just leave me alone. Thank you. Everybody stay safe and be blessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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: Account status incorrect

Complaint:
In XXXX last year, XXXX XXXX transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in 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 2021-04-07
Company: Experian Information Solutions 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:
The following account is fraud account that was opened without my knowledge or consent : XXXX account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.

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 2021-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I logged into my Wells Fargo Account to pay my bills. While paying my bills I needed to create a new payee XXXX XXXX in order to pay my mortgage. I created the payee and preceded to make a payment at which time the Verify Your Identity dialog box appeared requiring me send my private information a number that I dont recognize. 

Again I was logged into my account, I had already verified and was paying my bills. This action by Wells Fargo prevented me from accessing my funds to pay my mortgage. 

Therefore, I contacted Wells Fargo and was forwarded to XXXX from Wells Fargo in the Texas Consumer Advocacy Department when XXXX was unable to resolve the matter. XXXX said, she said she was not able to help me unless I provided my login username, I explained I did not feel comfortable providing my private login information at which time she refused to help or resolve the matter. 

I asked XXXX and XXXX for ID numbers so I could document the call, both refused to provide the information so I would be able to document whom specifically I spoke with.

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 2023-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 unauthorized accounts listed on my credit report that I have no knowledge or consent. I am a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent my first letter on XXXX XXXX XXXX XXXX  to investigate the following XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX XXXX  Please verify this account.

I also asked to remove two  inaccurate address reporting on my credit report XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
There is an account on my Equifax report from XXXX XXXX acct # XXXX. this account is not mine and i have never done bussiness with this company. I have disputed this account since it was mistakenly put on my credit report. i have called the company and they have also came to realize this is not my account. how can equifax validate an account if the company is saying its not right. i have also asked equifax. to send me proof of there validation, but i have yet to receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX I went to Wells Fargo to open an account. I was asked if I ever had an account there. I didn't, after the fraud with XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. I stopped using banks, my credit have been abused. I went back to Wells Fargo and requested a copy of the account. 
Since the account is in my name, I was given a copy. It have my name as XXXX XXXX XXXX XXXX A EIN number have been created in my name. 

This account shows it was created in XXXX. I filed bankruptcy in XXXX, I was going through the procedure during that time. The account is set up as me being the XXXX of this enitity. 
All of my history was being deleted and myail was being stolen. 

I address you have on file was with XXXX, separate from the United States Postal Service. I submitted a change of address with the United States Postal Service. I was told they couldn't forward Family/Individual from a Business Address. I  never had a business. Due to identify theft /fraud/abuse of my identity. Someone was stealing my mail.

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 2022-07-20
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: James E. Albertelli, P.A., a Florida professional association
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On  XXXX    XXXX ,2017  my husband and I closed on a Foreclosure property with a notary at our primary home with my husband as the borrower. During the closing I stated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should have been titled in both names, I was told that once I signed the mortgage note that I would be added to the new deed and title. That did not happen, the deed was received in the mail on  XXXX / XXXX /   17  and only listed my spouse. I spoke with my lender who indicated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should be in both names, we attempted to contact the closing agent and was advised that any changed would need to be completed in the form of a new deed with a cost to us because the contract, title and deed must match. However, I live in Florida joint property state and do not understand why this was not explained to us prior to closing and receiving the deed and title. I am very upset that I now need to pay a second attorney fees and the same fees  to my county to corr ect a deed that the original closing attorney was paid to process and file. This does not seem correct to me because our first home has both names on the deed, title and mortgage insurance however I am on the only person covering the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}

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 2019-08-29
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Made the mistake of contacting this company back in XX/XX/2019 for a short term loan of XXXX. They started taking XXXX a month out of my account. I contacted them in XXXX and was given a payoff of {$830.00}. I had already paid them {$1300.00}. I told them that I was revoking the authorization to take any more money out of my account. I then requested a copy of my agreement which took over a week to get. I finally received the copy of my agreement and it showed the interest rate is 749 % which is illegal in our state. So if I continued to make payments of the regular amount, I would owe XXXX I call them and get no response. I now understand this is illegal and doing even more research found that this company is not licensed to do business in our state of Ohio. I am a mother who is struggling to finance XXXX for a son who is caught up in the XXXX crisis. 

I tried to upload documents and it would not load. If I can email this please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 non-monetary relief
Consumer complaint received 2022-07-20
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:
A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency Experian and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.

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 2017-04-19
Company: Rossi Law Offices, Ltd
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a letter arrived in the mail. creditor is bogus. pretty sure this is a scam. debt for a car of   XXXX   addressed to a person who was born in  XXXX  the name is the correct name of my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with "  XXXX  '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is "  XXXX  ''. I have NEVER had an account with  XXXX . Never. They also have the name as "  XXXX   XXXX  '' My birth name is  XXXX   XXXX   XXXX  and it has never changed in my   XXXX   years. No matter what I do, they continue to harass me. The name of the  Collection Agency according to the one piece of mail that was sent to me is SOURCE RM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation