BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-08-22
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 's XXXX is charging me a collection debt on a membership that was already canceled in person. I've contacted the gym but they say I never canceled my membership. I'm 100 % sure I canceled my membership since they had restricted access to the gym and I no longer wanted to pay full price for a gym membership where I didn't have full access. I have an email where I specifically ask for my account to be frozen and they stated that I had to pay a past due fee which I did. I refuse to pay XXXX $ for a mistake they did but I have no way of proving I payed because I payed in person and lost the receipt. The same thing happened to my girlfriend but she got fooled into paying twice. XXXX XXXX is ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute through Experian about a collection on my credit report, and the result came back saying that i owe this money. When i contacted Experian about the results, they told me that the company respond with a letter saying that i owed the money without explaining what it was for, or showing prove that we did damage/stain the carpet. So Experian just took their word for it just from that letter. We never owed rent or anything, and i took my credit very serious. But i quest i have no right and i don't matter as a consumer. 
Experian didn't do their job on protecting my rights as a consumer. You can check my credit and see that i never had anything negative on my credit report. I just want them to investigate this collection properly and for the company that reporting that i owed money to show prove and not just take their word over mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, Pioneer Credit Recovery of XXXX, NY identified an alleged debt, which I do not owe. 

On XX/XX/2022, I wrote a dispute letter to Pioneer, requesting that they stop communication with me, record my dispute, and provide verification of the debt if they believe otherwise. 

Pioneer has not responded with verification, but has attempted to collect the debt since then by phone ( XX/XX/2022 ) and mail ( XX/XX/2022 ).

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report 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 2023-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023, I notified PHH about a payment we made on XX/XX/2023, in the amount of {$3100.00}, that was submitted for our XX/XX/2023 mortgage statement, which also included an assessed {$950.00} bankruptcy fee. I was told that the account was currently under modification and that any adjustments would be made after the modification trial period. 

On XX/XX/2023, I again notified PHH that the {$950.00} bankruptcy fee was still showing on our statement. We were informed that the accounting error would be adjusted. We again notified PHH on XX/XX/2023, and XX/XX/2023, with no follow-up from PHH. 

On XX/XX/2023, we again notified PHH, and this time were told that the {$950.00} had been incorrectly applied to the principal balance, that there was nothing that could be done, and that we would be responsible for remitting a payment of {$950.00} as it was still showing past due. We were told that the balance due could be submitted through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the rights to privacy.

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 
XXXX Account Number : XXXX Please remove this form my Credit report 2. Mistaken Identity /does not belong to me XXXX XXXX  Account Number : XXXX Please remove this form my Credit report 3. Mistaken Identity /does not belong to me XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report 4. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to authorized this inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11.The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 12 XXXX The following personal information is incorrect Account Number : XXXX : XXXX XXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a United States retired XXXX, XXXX I used a VA fixed XXXX for 30 year on a XXXX home. Payment at closing with XXXX XXXX  on XXXX XXXX payment was set XXXX month. From day one my loan was purchased moved to XXXXXXXX XXXX XXXX XXXXXXXX, from day one they started changing my monthly payment first by XXXX, XXXX it just kept going up. I have never missed a paymnet. On XXXX the predator company report my LOAN to VA home loan as Perforclosure. I iquickly call VA homeloan to tell them I had nit miss a payment. I never heard back from VA XXXX XXXX. This year my property tax has increased 150 %, a increase of XXXX in one year. From a XXXX home XXXX property assessment which again drives up my mortgage and home insurance I QUALIFED for this XXXX townhome off my military retirement and a portion of VA XXXX. for the last 2 years LAKEVIEW claims they RETURN al my payments total XXXX I send to Lakview, Lakeview reported to VA they had not received a payment since XX/XX/XXXX, I present copies and receipts showing I paid XXXX from XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: WA
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:
My Experian report contains a wrong personal address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the courthouse asking do they report " Dismissed '' XXXXXXXX  XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : USDOE/XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date XXXX XX/XX/XXXX Balance $ XXXX, USDOE/XXXX XXXX Date Opened XX/XX/XXXX Balance {$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 2022-08-22
Company: EQUIFAX, INC.
State: WV
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 been trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. Equifax closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Reporting company used your report improperly

Complaint:
Account Name : " XXXX XXXX XXXX '' Account # : XXXX XXXX XXXX XXXX does NOT have written authorization from me to pay any debts on my behalf. Therefore ; in accordance to 15 U.S.C 1681 Section 604 A Section 2, their " collection '' is a form of illegal activity for which I will not be financially responsible for.

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 2022-08-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Convergent Resources, Inc.
State: GA
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:
Please remove off 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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out this company since XX/XX/2021. Im still waiting on a response.

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