BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an amount of {$1400.00} on my credit report from Stern Recovery Services. I have no knowledge of what this is for. I require validation of the debt. Identification of the original creditor. I also require validation that the debt is mine for services rendered to me. Along with documentation signed by me acknowledging that I would be responsible for any debt owed.

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 2022-09-21
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not a duplicate complaint. It is a new complaint about the same company. Account was paid by XXXX. Company is saying that it meets all requirements of fair reporting act. I am not disputing that the account didn't exist just that I don't owe it. They removed it due to account being closed on my other credit reports so they know I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, a company that I have applied for a mortgage did its final underwriting credit hard inquiry and now I am getting calls from at least 45 different mortgage companies to see if I want a mortgage with them. 
I was told that Equifax has given them my information on the credit hard inquiry. I was under the impression that my account is private and can not be given without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is against Citi Bank for deceptive payment practices, where payments are not applied as stated by their customer representatives. I have two promotional offers open. One promotional offer for a balance transfer ending XXXX and the other for a purchased promotional advertisement ending this XX/XX/XXXX, at a XXXX percent interest, if paid by the due promotional end date,, if not paid in full, a 26.99 % would apply to the understanding balance. 

My first attempt was on XX/XX/XXXX. I called Citi Bank and spoke with rep XXXX and asked him if I could just pay off the purchased promotional ending in XXXX. He said yes, I could pay off the just the purchased balance of $ {$720.00}, which he processed. 

On XX/XX/XXXX, I spoke to XXXX, regarding the {$720.00} payment that had not been applied to the purchased promotional offer as stated on XX/XX/XXXX. XXXX, stated she would research this and to give it a couple of days to reflect on the system. During that time, I would be able to pay the new balance of purchases. 

On XXXX, XXXX, I spoke with XXXX regarding posting of payment. She stated payment could not be applied to promotions. I requested to speak with a supervisor. The supervisor answered the call. XXXX, another rep, said that no supervisor was available, but the supervisor informed him to apply for the payment for the XXXX promotion and I should see the amount applied after XX/XX/XXXX, to my statement. 

Today, XX/XX/XXXX, I spoke to XXXX to see if this payment has been applied to the correct promotional offer. She stated the payment was applied to the balance transfer offer, which ends in XXXX, and my balance for all purchases would be due by XX/XX/XXXX. 

This type of payment inconsistency in customers ' hard earned money, creates undue dissatisfaction to their customers. 

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 2022-07-28
Company: Experian Information Solutions Inc.
State: CO
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:
I applied to XXXX  back in XXXX of 2020. Without consent they have pulled my credit and then sent me an email to stating such. While the email contains necessary disclosures when you pull someones credit, they were not authorized to do so. 

I have not made any contact with this company for well over 2 years.I have attached the email from them.

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 2022-07-01
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXXXXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Company: Experian Information Solutions 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:
My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: TN
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:
I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : 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 2022-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just wanted to add few more thing to my complaint, They are offering me no other option except forbearance plan and I want a full loan modification that brings my loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-08
Company: DISCOVER BANK
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:
I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of DISCOVER FINANCIAL SERVICES LLC Account XXXX I believe it was

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX Account XXXX I believe it was

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 2022-07-01
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express lied to me about their Credit Reporting Process. I contacted American Express prior to my payment due date of XX/XX/2022. I informed them that my XXXX Tax return was still being processed and I was waiting for a large refund check. I discussed my account options with them and informed them that I would not be able to make the payment by the original due date. I discussed several options with the representative and was informed that as long as I made the payment prior to XXXX nothing would be reported to the credit bureaus. The agent said that as long as it is not more than 60 days past the original due date, everything would be fine. I specifically asked, " So as long as I pay prior to XX/XX/2022, nothing will be reported? '' and was told " Yes-as long as you pay prior to XX/XX/2022 we will not report anything to the credit bureaus. '' I asked multiple times and asked if they were " 100 % sure '' that was correct and they assured me that yes that was their policy. I have been with American Express for XXXX years and I trusted them. Well, to my shock, American Express did the complete opposite of what they promised me and reported me to the credit bureau in XXXX. I paid the balance prior to the XX/XX/XXXX date that was communicated to me by American Express and they still did not follow their policy. I spoke with American Express after the derogatory mark was added to my credit report and they have now changed their story. They are stating that the agent I spoke with was wrong. I asked them to investigate and was told they would file an internal complaint and listen to the recorded phone call to verify my story. I called back a few weeks later asking for an update and none was on file. The agent filed a second internal complaint with supposedly a higher priority for them to investigate on XXXX. I should not be penalized for following the direction of American Express. This is an unfair and predatory business practice to provide information to your customers and then go behind their back and do something different and deny the whole thing. I took the time to contact American Express proactively to discuss my options and when I follow American Express 's direction I am penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MD
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:
I stay @ home & take care of my tetraplegic adult son. In XXXX of 2022 A law service decided to take {$700.00} & Well Fargo charge me a Outrageous processing fee. The law firm acknowledged they way they took the $ $ was unauthorized, but they took it anyway. I explained this was all the $ $ we had to take care of my son for the month. It caused my family unimaginable hardships & Wells Fargo basically said its nothing we can do, even though I tried to explain the way it was handled was in deed illegal. My family was dealing with unimaginable grief, but I was brushed off like it didnt matter. I tried showing proof of all my evidence but that bank didnt care.

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