BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent multiple letters to this company and the credit companies with no response more than 45 days later. I have tried to get this issue resolved but somehow have hit a stone wall due to the unresponsiveness of this company which has hurt me finically. I have never heard of this company before it was placed on my credit report I was not given a chance to dispute the alleged debt. I do not have any contract with this company I do not owe this debt I have sent out multiple to letters to have this debt validated it has been more then a month now approaching two I ask that this account be removed from my credit profiles as required by law. Also s a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I applied at Wells Fargo Bank to refinance my mortgage. I provided Wells Fargo all the required documentations. Wells Fargo requested that I had to pay an upfront appraisal fee before they could review my documents. I paid {$690.00} for appraisal fee and completed the appraisal. Few days later, Wells Fargo requested for more income documentations. After I provided requested documents, Well Fargo denied my application for insufficient income. 
I believe this was totally unfair business, Wells Fargo Under Writers and Loan Processors could have verified my income before requesting for a full appraisal fee. I had pay for full appraisal up front and later find out that I don't qualify because of insufficient income. I requested Wells Fargo for the appraisal fee to be returned to me but they denied. This is unfair doing business with consumers.

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 2019-11-29
Company: General Motors Financial Company, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, XXXX XXXX ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.

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 2015-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 @ XXXX MST. Gurstel Law Firm called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from Gurstel Law firm. The call came from XXXX ( Gurstel Law ). Was placed to my phone XXXX XXXX XXXX XXXX XXXX. Gurstel Law Firm specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
NAVY FEDERAL CREDIT UNION and their registered agent XXXX XXXX XXXX are violating fcra and FDCPA Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference was a credit card with a limit of {$13000.00}. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: MN
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 previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited XXXX, XXXX and Equifax doesn't have same info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed on 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 2017-05-25
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Verizon wireless pulled my credit without my authorization and equifax is not willing to remove the unauthorized inquiry, XXXX wo n't remove it either. I stopped at the verizon store on XXXX just to check their phones selection and what plans they offer and never authorized them to pull my credit. 
verizon Application # XXXXEquifax dispute # XXXXI want XXXX and equifax to remove the unauthorized inquiry to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXX Account # 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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: Personal information incorrect

Complaint:
I have submitted NUMEROUS REQUESTS with Experian to remove inaccurate personal information : The Most recent letter disputing personal information was sent XX/XX/XXXX. Before that : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian refuses to remove information that is inaccurate and does not belong to me. Either they do not respond to my request at all, send a stall letter, or disregard my request.

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 2020-04-20
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX cable {$500.00}. I paid them off then received calls from Diversified Consultants regarding the debt. When I paid off the debt at XXXX I was told it would be removed from my credit report. 

I have contacted Diversified Consultants repeatedly and they tell me that they will not remove the debt collector report showing that it was not paid. I spoke to someone at Diversified Consultants about removing the entry on my credit report but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX took over servicing our bank of America mortgage last XX/XX/XXXX. We were 2 months behind at that time .They XXXX  would take weeks to process payments never went any more than the 2 months behind. Was always sending alittle more to build unapplied funds to catch up, but they always seemed to change monthly amount owed. In XX/XX/XXXXpayed payment, later to find out they never applied that payment. Sent the next months payment and they sent it back, stating to send cashiers check, I sent a cashiers check for XXXX   and then they would not apply that. Then I called they said sorry your no in foreclosure process. Had they applied any of these payments to the account it would have never went so far behind. I have copies of the check and cashiers check. This company intentionally did this to make this happen

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 2021-02-25
Company: Self Financial Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern back in XXXX XXXX XXXX I applied for a self lender credit card I linked my bank account to the credit card so I may make payments though I am making payments I never received the card yet they are still charging me for the card I made a late payment in it affecting my credit score by XXXX points Ive contacted self on several occasions but I still have not received a new card although I explain to them the situation. This is very concerning to me because I made multiple attempts to solve this issue I told them that I never received the first card they said they would send another one and I still never received that one yet they still are taking payments from me and if I dont make the payments its going to negatively affect my credit score.How can I make a late payment for something that I never received why am I even being penalized for a late payment for a product I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: AVANTE
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only have I not received any information pertaining to this XXXX bill, nor was I notified that I could dispute this debt. It's also currently being reported by 2 different collections agencies on two different reports. They said the original debt was from XX/XX/XXXX. 


Both Companies are reporting the same thing below : XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Avante USA Opened : XX/XX/XXXX XXXX  Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2017-05-25
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My friend in AZ is selling her home and shopping for a new loan. I am not licensed but offered to help her find a reputable lender.   Her existing loan is with USB. She contacted  XXXX   XXXX   XXXX  at USB and asked for an itemized breakdown of their fees.   She was first told by him that her rate would be higher because her loan amount was not the 'standard ' and below {$150000.00}.   He then refused to give her and itemized fee sheet claiming this was a loan estimate.

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 2016-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX performed an unauthorized inquiry of my credit file on XX/XX/2016. I have a voicemail saying they took it upon themselves to pull my credit. I did not authorize this inquiry, and would be happy to play the voicemail for CFPB or XXXX. I disputed this inquiry, yet XXXX has not removed it from my credit file. During the dispute process ( XX/XX/XXXX ) someone at XXXX made a mistake and switched my current address with my previous address, now the address section of my personal information file at XXXX is incorrect. My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. My previous address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. Until this point, XXXX, along with XXXX and XXXX have been reporting my address correctly ( photo attached ). I have enclosed an XXXX research request form provided by XXXX that has my current address wrong. Also enclosed is my current address as previously reported correctly with all three credit bureaus. Additionally, XXXX utility bills with my correct current address are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been in contact with XXXX XXXX XXXX along with Equifax regarding XXXX account from the XXXX XXXX XXXX with the open date of XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX and the other with a opening date of XXXX/XXXX/XXXX, the first account of XXXX/XXXX/XXXX I never lived at the address and the other XXXX/XXXX/XXXX should is 8 years old and is showing current which is incorrect. I only have one current bill with XXXX XXXX and these XXXX items should be deleted off my credit file like I was advised they would be by XXXX XXXX. This is incorrect information affecting my credit file

Company response to consumer: Closed with explanation