BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
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: Account status incorrect

Complaint:
I recently reviewed my credit report and I noticed you are reporting a violation on my credit report. Please get this matter handle based on my instructions XXXX XXXX Account Number XXXX This Collections is reporting a PAST DUE AMOUNT AND AS A OPEN ACCOUNT and needs to be removed from my credit report. 
A Collection agency should not be reporting a collection account as OPEN OR A PAST DUE BALANCE. I DID NOT OPEN AN ACCOUNT WITH THIS COLLECTION, THEY PURCHASED THE BAD DEBT. THIS IS TWO VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ALONG WITH THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
Caine & Weiner accessed my Consumer Credit Report without permissible purpose on XX/XX//21. Caine & Weiner did violate my privacy, and does not and has never had my permission to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year around XX/XX/XXXX I notice some unauthorized charges on my account from XXXX that went back into the year of XXXX and I called Wells Fargo to have them removed the charges because I did authorize the charges and the service that I was being charged for I never had. Wells Fargo give me a hard time transferring me around and the only some of the charges where removed. 

Around XX/XX/XXXX I called Wells Fargo back because I was still being charged by XXXX. I got a Representative who made a three way called to XXXX and the XXXX XXXX told the rep from Wells Fargo that I shouldn't of been charged and that the service were not mines. The Wells Fargo Rep told me she would disputes everything and have it removed. But I notice in XX/XX/XXXX that I was still being charged. And they give me a hard time to to have the charges removed. 

In XXXX of XXXX I came down with covid and was in the hospital so I couldn't pay my bills. Once I went back to work I contacted Wells Fargo on XX/XX/XXXX make a payment plan to catch up on the charges and the agreement was that if I paid {$87.00} by XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to reset my account balance to current, all the lates payments will be removed, and they would report to the credit agency as paying as agreed. I paid {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then I started to get emails from all 3 credit bureaus stating that I was still delinquent. 

I recently called Wells Fargo and they told me that I still had a late payment, and that they had to investigate what I saying and it would take 10 days and now they are saying that I have to wait 4/5 months instead of 3 for them to make any changes. But in the mean time they are still report to the credit bureau that Im delinquent. Which is unfair because I follow through with the agreement. 

Every time I call they keep me on the phone for over an hour and they never do anything. 
They transfer me around to different departmants and no one can never handle the phone call.

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 2022-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX student loans that I pay through Navient. I went through the online process on navient 's website to consolidate the XXXX loans into XXXX loan. I received notice that the consolidation was approved and had been completed. 

All they did was " consolidate '' XXXX of the loans and raise the interest rate. This loan just had its title changed and I paid slightly more for a short period. 

I have reached out on their website at least twice, maybe up to four times. I have not got any type of response back. 

I recently set up automatic payment, which dropped my rate .25 %. However, this was deduction was taken from the new, slightly higher, rate. 

Please let me know if/what documentation you 'd like me to provide. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: SC
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2016-06-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Back on XX/XX/XXXX I and co-signer took out a XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX for {$15000.00}. I recall the variable interest rate was 3.5 %. The loan has been in a XXXX deferment the entire time. I now not the rate to be 14.5 % and the loan is at {$31000.00}. Now loan is with Navient. I have contacted Navient multiple times to see what happened. I requested to know what the original rate was and informed they ca n't find the original disclosure statement for the loan. I and same cosigner took a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/12 for {$5000.00} with a 3.5 % rate- It 's still at 3.5 %. I have never missed a payment with the loan and the accout is in good standing. There is no reason the rate to have increased to 14.5 % and Navient ca n't attest. I feel this has been a grave error on either XXXX XXXX 's or Navients part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Well my identity was stolen and there were credit inquiries on my credit that I did not do, I called XXXX and XXXX they put a fraud alert and removed the items. I contacted Equifax 10 times 10 different phone calls with 10 different reps some said I needed a police report, other said I needed to contact the agencies reporting I tried to do both l, I went to my local police department and they said because there was no lost or damaged that it was only inquiries they ca n't file a report, I contacted all the companies some no response and others said the information verifies of course it does my information was stolen so I called Equifax back again and they said there is nothing they can do so I have to wait 2 years! That 's ridiculous when I 'm a Victim here there inquires not collection accounts just inquires which both XXXX and XXXX removed with no problem I do n't understand why I 'm being victimize more by this inconsiderate company I wanted to buy a house in a year do u think I 'm going to be able to with dozens of fraudulent inquires there representatives are insensitive and careless when it comes to my personal life I 've been back and forth with so many supervisors that says there nothing they can do why is there no policy or procedure for this kind of thing i ca n't force the cops to make a police report, i ca n't force the companies to delete who protects us the ones who did n't ask for our identity to be stolen its sad that I do n't have the back up like XXXX and XXXX secured me on this company is the worst I 've never dealt with anything like this before and it makes me think this company stole my identity since there so defensive to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I made purchases at Lowe 's using the Lowe's/Synchrony Bank credit card for {$1200.00}. Because of an error made by the salesperson at Lowe 's, I was not aware that two Lowe 's accounts were opened in my name. I was making payments on only one account, and the other account, number XXXX, with the amount of {$1200.00}, was charged off. When I finally sorted out and resolved the situation, I paid a settlement amount of {$820.00} in 2 payments, one on XX/XX/XXXX and the second on XX/XX/XXXX. I am in the process of applying for a mortgage and a charge off on my credit report will prevent me from getting a low interest rate. My credit score was very good before this charge off was reported by Lowe's/Synchrony Bank . Since the mistake was made by a Lowe 's employee, the negative report of the charge off should be 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 2016-01-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Concord Servicing Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
Company: NCSPLUS INCORPORATED
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt through money order on the specified account to the address provided by the debt collection company XX/XX/XXXX. They continued to send collections. I emailed collections company notifing them of payment and also the orignial comoany which I owed the debt. I received another collections letter on XX/XX/XXXX The company is NCSPlus Incorporated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: MO
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/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

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 2022-02-21
Company: Advanced Resolution Services 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: Information belongs to someone else

Complaint:
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for Travel Health Certificate on XX/XX/XXXX My trip cancelled so I do not need this certificate It is not issued yet for my XX/XX/XXXX travel Please refund {$65.00} and cancel certificate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: VA
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 have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. The account being reported multiple times on my experian report at one time it was being reported as XXXX different accounts plus so much more and its very upsetting. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person..

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 2016-05-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have had no issues with reporting inaccurate information with XXXX XXXX and XXXX. However, Experian refuses to allow me to file a dispute, even after purchasing my credit report 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 explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Account # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX MD XXXX This new Complaint is a rebuttal to CFPB Complaint # XXXX. The lies Wells Fargo told, consistent with its corporate culture of fraud, lies and deception. 
With respect to Complaint # XXXX, I stated that Wells Fargo wrote and called me after it acquired this account from Wachovia. WF claimed that I owed them. i disputed it. During our discussion, I agreed to be making provisional payments while they researched my claim. I agreed to be paying to avoid them injuring my credit. They stopped collecting, hired a lawyer and threatened foreclosure. Did CFPB ask Wells Fargo why it stopped collecting payments and hired a lawyer? This is WF 's modus operandi in forcefully taking people 's property. They do n't mind paying lawyers and adding it to the loan balance to make it impossible for borrowers to pay the loan. Second, WF wrote me a Default Letter on XX/XX/XXXXthat I was owing {$8800.00} on the loan. On XX/XX/XXXX, WF wrote me a Default Letter that I was owing {$59000.00}, which their lawyers said the new balance is {$62000.00}, as of XX/XX/XXXX. You see how the loan went from {$8800.00}. A week before WF sent this response, their lawyers wrote me that they were proceeding with foreclosure without waiting for WF to resolve the Complaint or file its response with you. Now what did CFPB accomplish other than sending a ton of documents to make you think they are cooperating? I expected, and I 'm still expecting, CFPB to instruct WF to explain how the balance went from {$8800.00} to {$62000.00} and why it Wells Fargo stopped collecting payments, as agreed, and hired lawyers to begin foreclosure.

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