BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MD
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 XX/XX/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 THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation

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 2015-11-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
- I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's only one per year- I call is only automated and online submission has not resulted in any responce except getting email to pay for score!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Sequium Asset Solutions, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sometime in early 2019, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, Sequium Asset Solutions. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from credit karma that I had a derogatory addition to my credit report. A new debt collector, XXXX XXXX XXXX, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. XXXX never contacted me, I never received any letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.

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 non-monetary relief
Consumer complaint received 2020-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We attempted to pay the {$90000.00} in past due payments to Wells Fargo in XX/XX/XXXX. Wells Fargo did not accept all past due payments due to an {$1800.00} legal fee. We have also filed another complaint with HUD/NOVAD and to verify if they filed a claim in XXXX for assitance. They did not in XXXX even though they said they did which pushed into 24 late payments because they said they were following FHA guidelines. We also do not have the legal written notice of auction that is required by law in Texas 30 days prior. They would have sent it certified 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 explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates , LLC has been harassing me for a debit that does n't belong to me for about 2 years. The debit belongs to my father and we have the same name. I made it clear to them that I am the wrong person they have been calling. XXXX time I asked for the last XXXX numbers of the social to verify that it was n't me. The person was very rude and refused and was persistent in trying to make me pay the bill. The next time they called I asked them to verify the last XXXX numbers of the social which belong to my father. I made it clear I am not the person they are looking for and to stop calling me or sending me letters under the fair credit reporting act. They keep sending me statements requesting payment. I submitted a letter to them exercising my rights under the fair credit reporting act to stop contacting me. Ever since I submitted the letter they have submitted XXXX statements still requesting payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Pinnacle Credit Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to TransUnion certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to TransUnion asking their method of verification in " verifying '' the accounts on my report. I also sent letters to XXXX   and XXXX certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to TransUnion, XXXX, and XXXX stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to TransUnion and XXXX. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to TransUnion and number XXXX XXXX XXXX XXXX XXXX to XXXX. I also sent letters to the collectors that now hold two new collection accounts that have been placed on my report. I recognize neither, so I inquired for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.

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 2017-04-16
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company. 
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-02-22
Company: Experian Information Solutions 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 Experian 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 Experian 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 : TXXXX 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 2015-04-10
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2015 my husband and I applied for a mortgage loan with XXXX to consolidate credit cards. In XXXX 2015, we contacted all our credit card companies asking that our accounts be closed and no more charges or interest charged to account. On XXXX XXXX, 2015 XXXX XXXX sent to Citibank a check for XXXX which was an overpayment to Citibank and when I talked with them they said i was due a refund of {$590.00} amd the check would be submitted to me in XXXX to XXXX business days. Today, they sent me a statement saying that I now owe XXXX. {$10.00}. for XXXX 2015 because i was charged {$600.00} in interest for XXXX. They charged interested even though the accoutn was closed in XXXX 2015. XXXX they told me i would be refunded XXXX for overpayment and now turn around and charge me {$600.00} after acount was closed. Do I have any recourse in getting the {$590.00} refunded to me? I have been a loyal customer of Citibank for over 40 years and am very disappointed XXXXwith XXXX action. What can you do to help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-22
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: Investigation took more than 30 days

Complaint:
on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation

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