BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
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: Investigation took more than 30 days

Complaint:
sent dispute letter on XX/XX/21 to transunion sent 30 day failure to comply on XX/XX/21 to transunion

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 2015-09-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.

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 2015-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there is a judgment that was inaccurately placed on my file and is no longer on my public records section and yet this bureau continues to verify it as mine and refuses to properly investigate it and remove it from my file. i have asked them repeatedly to show me any evidence of how it was verified and they refuse to cooperate and do not provide me with any evidence. they are reporting inaccurate and false information join the public records section of my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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: Was not notified of investigation status or results

Complaint:
I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account # : 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 2016-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to 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 2021-07-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an old private loan with my XXXX University. From the account information on the loan sent to me by the University, it shows that it sent to the Credit Agency, Experian and XXXX, that the loan had been reported as paid off on XX/XX/XXXX. However, my Experian Credit Report shows this loan being in collection ( Negative Remarks ) in XX/XX/XXXX and XX/XX/XXXX. This is after 4 years of ND ( No Data being reported on the loan ) reporting since it has been closed. I have tried XXXX disputes and they refuse to remove this negative reporting from my account in the months on XX/XX/XXXX and XX/XX/XXXX, even though the document shows they University reported to the Credit Agencies that the loan was paid off XX/XX/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 2015-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my experian.com/Fraud Alert personal statement credit report history my Telephone numbers have n't been updated and I have sent in various Disputes by mail, yet information remains inaccurate. I try to update my personal information online and I keep getting an ERROR message and to contact a number that is a message number only. I have a car application pending with XXXX of XXXX and this seems to be an issue, I 'm unable to leave with vehicle due o this inaccuracy onto my credit report personal statement.

Company public response: Company 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: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This Wells Fargo CFPB Complaint is in conjunction with Complainants : # XXXX ; @ XXXX ; # XXXX On Thursday, XX/XX/2021 @ XXXX XXXX XXXX - Consumer received a Wells Fargo Bank Phone call using an Unidentified XXXX Phone number. XXXX my XXXX could not record this incoming phone number. Consumer assumes Wells Fargo Bank had Blocked their XXXX phone number, to the Consumer, on Wells Fargo 's Recorded out going line. ) This Lady, Wells Fargo Bank Representative introduced herself with name and Title of her position to consumer ; unfortunately this phone call woke-up Consumer at such a early morning time, and can not remember XXXX 's identity information. How ever She assured me that she would be working on four of my Complaints. She asked me for the Wells Fargo 's complete bank Accounts I had. T stated U did not know. She asked for the last 4 numbers of my SSA number, I told her. 

I asked her why she did not go through the CFPB 's Consumer 's Portal. and Why the 3rd party involved with this matter, was not responding to this matter. She asked me " What 3rd party? '' " The party that issues the refund checks. '' She asked " Why is it so important to go through the CFPB portal to communicate? '' I stated other merchants did go off the grid and later I found out these other entities has something to hide. " Because I received 2 letters from them. She assured me she was that person. Then my cell phone went dead. She did have my email address but did not send email to continue communication efforts. 

To XXXX XXXX. Exec. Office Case Specialist of the XXXX XXXX XXXX XXXX. At the bottom of XXXX letters signed by you states : a particle statement : " We will communicate with the appropriate parties going forward. '' Please inform Wells Fargo that fact, because This Lady just stole your Identity, by posturing to me that she is XXXX, and XXXX she did not even know this companies name nor the involvement with Wells Fargo XXXX the Wells Fargo 's bank account numbers! 

The Consumers DO NOT WORK FOR WELLS FARGO NOR KEEP WELLS FARGO ACCOUNT RECORDS! AND MANY BUSINESS ENITIES CROSS FILE BY USING OTHER PEOPLE 'S CONFIDENTICAL SSA NUMBERS AND THAT TOO IS IDENTITIY THEFT! 

WELLS FARGO 'S HARRASSMENT TO CONSUMER 'S TO FULL FILL WELLS FARGO 'S EMPLOYEE 'S JOB DUTIES IS WORTH TO THIS CONSUMER 'S $ XXXX COMPENSATION FOR MY LABOR TIME INCLUDING PUTTING UP WITH WELLS FARGO 'S INTOLERABLE VERBAL INSULTS OF MY CONSUMER 'S TIME ONLY BEING WORTH XXXX CENTS! 

NO MORE SCAMMING, LIEING ON MY PHONE! STOP PHONING ME!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

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 2021-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax has violated the Fair Debt Of Collection Practice I have sent a dispute regarding account XXXX  that was not my debt, I sent Equifax a letter on On XX/XX/2021 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. on XXXX XX/XX/2021 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. On XX/XX/XXXX I sent certified letter requesting method of verification. It has been ignored I have not received any letters for investigation. I spokewith XXXX customer service ID XXXX on XXXX XXXX she implied there is no letters the have received and ignored it I have sent it certified US. Mail it will be attached in the documents. It has been 30 days and I have not received any correspondence from Equifax violating FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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:
I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Equifax will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Bridgecrest Acceptance Corporation
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2016-01-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation