BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4800.00}, {$2400.00}, {$1300.00}, {$4100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 


-- OPEN ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2022-01-26
Company: EQUIFAX, INC.
State: SC
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:
Please have Equifax and XXXX update my XXXX 's account to reflect no late payments. Attached is a copy of my XXXX report dated today, showing that there are no late payments on this account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On the statement dated XX/XX/XXXX there is a cover letter included with this complaint. That cover letter states that if I want to despute any portion of the debt owed to do the following. 

" How can you dispute the debt? 
Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.

What else can you do?

Write to us and ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' On XX/XX/XXXX I called and spoke to a service rep and was hung up on. I called back and waited for 40 plus minutes for a supervisor that then hung up on me again after she stated how she needed to educate me. 

I asked them both to validate the late fee of {$88.00} on this mortgage as I believe it is incorrect. They both went back through statements from prior servicer and did not find an instance where a late fee was assessed. I asked for it to be removed and they did not. They became argumentative and hung up. The loan was transferred to the prior servicer in XXXX of XXXX. Before that the loan was with XXXX XXXX and I reviewed those records back to XXXX of XXXX. I was simply doing as the cover letter asked. I am submitting this complaint because I doubt that they will follow up. Both reps stated that the late fee was listed on a statement with the prior servicer. I am not disputing the age of the late fee I am disputing the validity. I am requesting this late fee be validated or for Fay Servicing to stop collecting on that debt. 

Also my previous complaint to CFPB mentioned an incorrect Escrow analysis. Fay Servicing acknowledged the error in the escrow analysis. After submitting the previous complaint I called on XXXX the XXXX and again on XXXX the XXXX and requested a corrected escrow analysis be completed. As of yet it has not been done. I believe I am entitled to a correct accounting for all future escrow activity. Let me know if you can comply with request as it is the 3rd time I bring it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: FL
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:
The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Oakridge Direct Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi, I am using this to report chain mail fraud. Not sure what is more impressive, the creative department names or titles! This was a fun run. All Wells Fargo correspondence is sent via electronic means. I do not receive or have approved any mailings. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. All happenings have been reported to Wells Fargo. 

Logos on the envelopes are ill placed and the lettering is not appropriately sized They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
The Watercolor logo is not embedded, but printed. 
Addresses keep changing Black and white not in color as per the general Wells Fargo mailing Cheap paper Double sided printing Not the Wells Fargo designated envelopes. 

Under zero circumstances, are any correspondence and attachments to be shared with XXXX XXXX, or any other Attorneys at XXXX, XXXX, XXXX. Thanks Reported BY : XXXX XXXX Customer XXXX XXXX XXXX, XXXX Ca 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 2020-08-09
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX, i send money through remitly app, my 3 transaction were not deposited in my account, i was stuck in the cruise ship so i cant check my money, when i come back to XXXX i checked my account it was not there, i contact the company service centre, they said your one number was mising in your account number, i was sure becuase they send me mail, your money deposited in your account, i just miss one number when i send money but other information was right, ifsc code, bank name and branch name i want fefund that amount i am in trouble now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against XXXX and consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called XXXX ( the original loan owner ) as well as the current company the loan was sold Deville Management both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the XXXX Settlement and both companies act as though they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. 
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 2020-08-09
Company: Experian Information Solutions 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:
- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX XXXXXXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance

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 2020-01-07
Company: Experian Information Solutions Inc.
State: GA
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:
I recently paid off approximately 80 % of my credit card utilization ( about 85K ) Experian and XXXX  dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points

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 2016-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Several family members from received phone calls in the past week from XXXX, regarding " active litigation '' against me. They have never attempted to contact me, that I 'm aware of. I called the above number today and gave them my " case number '' which they provided to my family members. Spoke to a paralegal named XXXX XXXX who said her firm, XXXX XXXX XXXX had been hired on a contingency basis, I explained that the old debt that she had mentioned had passed the SOL in Florida. She said that I could sign the papers and let the judge decide. She said that they would serve me at my employer today, and when I tried to make sure they had the correct address, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Joint account been taken off because the main owner is on chapter 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 2020-08-09
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: Their investigation did not fix an error on your report

Complaint:
Went car shopping multiple inquiries supposed to count as one inquiry if within 30 days. Called to dispute. I did not ask for the items to be verified and thats all they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent

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 2015-07-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. Collection company is using Equifax as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Equifax is not doing their do diligence, as they would have known this was part of a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
Chex Systems received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

Chex Systems continues to report unverified accounts and inaccurate information. 

Chex Systems has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

Chex Systems is Now is violation of the FCRA and continues to be in noncompliance.

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 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans union keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score.  Collection company is using Trans union as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Trans union is not doing their do diligence, as they would have known this was part of a litigation.

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