BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: PA
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 am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX   are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally 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 nor any 3rd party in connection with collection of any debt I never received notice from Experian Equifax nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX XXXXXXXX  # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for XXXX Trans Union and XXXX. XXXX shows 180 days late, Trans Union shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXX XXXX XXXX  was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for XXXX only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from 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 non-monetary relief
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX never late XXXX   XXXX never late XXXX  XXXX not mine XXXX 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$300.00} not mine 08 XXXX XXXX XXXXXXXX XXXX XXXX   XXXX {$450.00} not mine 10 XXXX XXXX XXXX XXXX {$0.00} not mine 12 XXXX XXXX XXXX XXXX {$4700.00} not mine 12 XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX {$1500.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2022-01-21
Company: CITIBANK, N.A.
State: IN
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 no knowledge of an account appearing on my XXXX credit report. Citibank XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.

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 2016-06-16
Company: Lake Area Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: CT
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 reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, XXXX  and exquifax. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, XXXX  and exquifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: KEYCORP
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Key Bank several times about the status of my credit report. I defaulted on my private student loans due to divorce and financial struggles. My loans were sent to collections to XXXX XXXX and I have been paying faithfully for a little over a year. I contacted Key Bank several times asking if my loan status on my credit report could be changed from past due to current since I have been making payments. Each person I spoke to send me to another department and when I finally spoke to the 6th person I was told the status of my loan could not be changed to current unless I paid the balance off in full. I am a single mom I do not have that type of money to pay balance in full. Since they wo n't change my credit report I can not get a home loan. I am spent do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer to a new HSBC card, which I soon afterward realized I had made in error. Within 10 minutes of completing my balance transfer request, which I was told would take 7-10 business days to process, I called HSBC back and spoke with XXXX, who I had spoken with at the end of the balance transfer earlier. She told me it would take 7-10 days to cancel the transfer, but she worked in Escalations and would attempt to get the balance transfer stopped, given the short amount of time since the balance transfer had been requested. 

Unfortunately, it was necessary for me to be hospitalized yesterday due to a previous injury and when I got home and looked into my XXXX  accounts today, I realized the transfer had already been done When I called HSBC to clarify this, I was told if the transfer was done electronically, which I was not told during the entire BT process on XX/XX/2020. Now both XXXX and HSBC are telling me the transfer may not be able to be cancelled. I feel there should be a time frame to allow cancellations, especially when the customer is told it would take 7-10 business days to process, not one day if done electronically. Now HSBC is giving the same 7-10 days to cancel it, if at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against 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 2015-06-15
Company: Merchants Acceptance Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law. Hunter Warfield states they sent initial communication to allegedly verify the alleged debt was sent XX/XX/2021. This statement from Hunter Warfield is false. Hunter Warfield alleges that XXXX XXXX referred this account to Hunter Warfield. To simply look at alleged documents is not a means of validating any debt. I am a federally protected consumer and my rights are being violated. I DEMAND Hunter Warfield provide proof with out redaction that they in fact have a legal grounds to collect on this false and clearly alleged debt that I do not owe. A cease and desist has also been sent to Hunter Warfield and they have continued to contact me via phone. They totally disregard federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF EDXXXX XX/XX/XXXX 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 2022-11-10
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX Balance : {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
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:
Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents

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 2015-11-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion will not allow access to my credit report to dispute the fraudulent items. They only display option to pay them money. They will not allow me access to dispute at all.

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