BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from my mortgage provider, Wells Fargo stating that they incorrectly calculated my payment per our agreement terms. As a result, the monthly payment they billed was too low to pay off account by maturity date. They now want to increase my payment. The first letter was provided on XX/XX/XXXX. Since then I have made multiple calls with no answer to why this happened and why their mistake is my issue now? I called the number they provided on XX/XX/XXXX. I 've made multiples calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with additional calls on XX/XX/XXXX and XX/XX/XXXX. This is only the calls that I have recorded, with additional calls made with no response or answers. The letters I received, started on XX/XX/XXXX, and there after in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX all stating they are looking for answers. I feel that the mistake they made are now on me by increasing my payment and have not held themselves accountable.

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 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!

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 2015-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recov Assoc, is attempting to collect a debt for a loan. I have never had any communications, verbal / written with firm. I have never taken or received any loan, signed any contract with this firm. 

Amt : {$1600.00} Portfolio Recov Assoc XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was unable to get phone support with XXXX and Equifax and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
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: Account information incorrect

Complaint:
They offered to close the account I paid the amount they have not close the account with any credit bureaus they stated they will update my payment history to 100 % as a goodwill gesture that has not been done

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 2021-04-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted which IS attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : THOSE ACCOUNTS ARE LISTED IN THE ATTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This case was proven to be one that involves the theft of my identity. The original creditor states that they instructed the major consumer reporting agencies to delete all reference to this account from my credit file and I would like assistance from the CFPB to ensure this is completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
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:
There is a collection for XXXX XXXX on my credit report. It is fraudulent, I have included the fraud report in my initial dispute however the credit bureau refused to remove the fraudulent collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

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 2015-09-05
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.

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 2021-04-18
Company: Complete Credit 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:
Complete Credit Solutions has violated several FCRA laws on XX/XX/21 by reinserting a previously blocked 605B fraudulent account. The account was blocked and removed from my account by the CRA. Complete Credit Solutions violated FCRA by reinserting a known blocked fraudulent account back on my report as a " New Account '' to circumvent credit reporting agency guidelines in place to prevent reinsertion. In addition, Complete Credit has violated other VERY SRIOUS FCRA Laws. Creditor is not allowed to reinsert a blocked account and I have written proof that you have violated the law on XX/XX/21. This is highly illegal and must be deleted immediately. You have five days to delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: LA
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 sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the accounts with Equifax in which Equifax corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank & XXXX XXXX regarding the alleged accounts. XXXX was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditor XXXX XXXX Bank or XXXX XXXX can not validate the alleged debts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I've contacted USAA and XXXX XXXX on several occasions on why I am not an authorized user on my wife 's USAA credit card account for XXXX dollars. The account is not reporting to XXXX XXXX, USAA said to me that they have been reporting to XXXX XXXX, but XXXX XXXX is not making any changes, XXXX XXXX play 's the blame game and said it's USAA fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX  and also XXXX  with no problems at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$790.00} Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1000.00} Docket # : XXXX Plaintiff : XXXX Balance : {$2700.00} : I even contacted the court house and they said they do n't verify information with the credit bureaus. Therefore, I do n't think a proper investigation was ever done with I disputed these account. XXXX and XXXX already deleted them but it seems that Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
i paid off my credit card on XX/XX/2016 and a payment was due XX/XX/2016 and they are saying i : m 30-60 days late.there is a XXXX balance on my card as of now.And this issue is costing me XXXX points on my credit which is false,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TransferWise Ltd
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A payment came into my wise usd account from one of my associates. Which afterwards I tried paying some of my suppliers in XXXX for some goods. The payment I tried making to XXXX were stopped and my account was close. I was asked to make an appeal and also provide information for me to get a refund of all the money in my account which I did. After several business an email came that the refund wouldnt come to be without any explanation. 


This has made my customers and associate upset with me. I need my money back as this has caused me a lot this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I had XXXX and was charged by XXXX for an outstanding bill ( {$4200.00} ). I was wrong by not going to court when Pressler & Pressler sent the summons to appear. In XXXX XXXX until XXXX XXXX, they garnished my payroll check in a total sum of ( {$1600.00} ). I tried calling to set up payment arrangement and their staff member told me unless I pay {$1000.00} then, they would not set up arrangements. The judgement then went on my credit report. On XX/XX/XXXX I called to clear the judgement and was instructed the amount was ( {$2600.00} ) which I paid on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owe another {$240.00}, because of interest rates. I called and they would not give me a statement showing the break down of fees, from XX/XX/XXXX until now. I had to pay the {$240.00} because I am in the middle of a mortgage loan. I do n't understand how you are told XXXX cost and then they add other fees after I make the payment they requested. This is unfair. How do I get a break down of my statement and fees. I am an XXXX so to pay extra is not what I do without proof. I also tried to settle and they said XXXX would not take my settlement, but did not provide paperwork to prove that the settlement was offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.

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 2015-10-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EQUIFAX/XXXX HAS VIOLATED SEVERAL FCRA LAWS. COLLECTIONS AGENCY DID NOT NOTIFY IN WRITING OR BY PHONE TO NOTIFY ME US THIS DEBT. XXXX NEVER DISCLOSE MY RIGHTS TO DISPUTE THE ERROR. EQUIFAX/XXXX DID NOT PROVIDE A VALID MAILING ADDRESS, ACCOUNT #, AND PHONE # TO CONTACT THE AGENCY TO DISPUTE. THIS FOR PROFIT COLLECTION AGENCY APPEARS TO BE A RANDOM DEBT BUYER AND ISSUES DEBT TO CREDIT REPORTS. I REQUEST A FULL INVESTIGATION BY XXXX AND AND EQUIFAX BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I contacted Fifth third bank requesting an early removal from my credit report since its due to drop off next year. This account has be closed since XX/XX/2015 and this company has reported to the credit bureau that i am currently 60 days late to drop my score intentionally. I requesting because of the inaccuracy that creditor be removed from my credit report immediately for falsifying information. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against EQUIFAX credit bureau.

Company response to consumer: Closed with explanation