BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Blitt and Gaines, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts.

1 ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance
2 ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company.

3 ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again.

Collection agency seemingly don't or won't. Which confuses me more.

4 ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without.

5 ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXXXXXX XXXX, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
6 ) someone is not telling the truth or being on the level, and it isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: LA
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:
I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information. 
i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled

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 2023-09-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have file dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We just received ( XX/XX/XXXX ) written notice from Wells Fargo Home Morgage that our escrow account has a XXXX projected shortage of {$450.00}. They are requesting we pay the total amount of {$450.00} no later than XX/XX/XXXX. Wells Fargo is projecting that property tax and homeowners ' insurance will increase in cost. My question : Does Wells Fargo Home Morgage have the authority to raise the escrow fees based on their projections.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a certified letter to Trans Union to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to Trans Union as follows : 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 2022-12-20
Company: Experian Information Solutions Inc.
State: ID
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 have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX 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 2022-09-21
Company: Experian Information Solutions Inc.
State: MT
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:
I settled my debt with XXXX XXXX XXXX for XXXX XXXX XXXX. I paid XXXX and this account is settled. I disputed this with Experian but they have not removed it. Please see attached documentation that was emailed to me from 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 2022-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: SC
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 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 instructions I also have some inquiries on my credit report that I didn't authorized. 

XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AKA XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ( Bank ) 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 2022-04-25
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: Problem with personal statement of dispute

Complaint:
I have asked experian to verify that credit acceptance was my debt. Experian keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. Experian is not verifying nothing with original signed documents nor are they even probably investigating these debts. Experian is horrible. Experian have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. Experian is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years

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: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-01
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Rate increased from 17.74 % to 22.74 % with no clear explanation of why. They state my XXXX score was XXXX in XXXX. It is suspicious because my XXXX was XXXX and above before and then it increased to XXXX in XXXX & XXXX. My current XXXX  card does not charge late charges and Citicard has been marketing heavily to convert it to their XXXX XXXX card. Today, XX/XX/XXXX, their agent XXXX said he couldn't lower the rate despite being told of the XXXX score. My account is and has been in good standing and this large increase is not only ethical but unjustified.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: NY
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:
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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I opened a letter from XXXX XXXX telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to XXXX XXXX that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and TransUnion credit reports, it was an open collections from XXXX XXXX XXXX for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, TransUnion is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX  on XX/XX/XXXX asking if they had sent the letter to XXXX XXXX telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe TransUnion got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.

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 2022-06-04
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well the problem is I don't have access to that account anymore more because I don't have that phone number anymore and I don't remember my password. And I gave them all the information they needed like social and addresses like that.The main thing I am asking them for is another credit karma card so that I can pull my money off of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Westlake Services, LLC
State: TX
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:
, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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: FinCo Services Inc DBA Current
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Filed a dispute on a charge back on XX/XX/XXXX for a charge for items I never received they said it will take upto 90 days it's pass 90 days and nothing has happened

Company response to consumer: Closed with explanation