BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX has made additional credit cards and even changed ny mail and made false business in my identity and forged checks they have used wells Fargo student loans and many more. None of the prepaid XXXX XXXX wells Fargo, XXXX, XXXX cards are mines there are multiple other online accounts mobile wallet accounts in my name and social that all needs to be turned off.her and XXXX XXXX are scaming and in an credit card ring. Using multiple identify and she XXXX XXXX is an XXXX XXXX XXXX who has been transparency screens to fool you and the system. I want every card turned off and investigated. 
XXXX XXXX XXXX, XXXX, I am not in school and do not have an XXXX number. I also have been living under XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX since XXXX my apartment currently address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. Please investigate every transaction and atm withdrawal and ach transaction. Please send findings to Detective XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, 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 monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: TX
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 and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Mountain Run Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any notification regarding this alleged collection. The original creditor provided us with a service that was not working and I canceled my service, at the time I canceled they said nothing was owed and service canceled. I recently pulled my credit report and I was unsure of what this was, I then saw the original creditors name next to collection company and I called them, they stated they charged me an early termination fee. This was not discolsed to me at the time I canceled, nor did they give me any option to pay this, and this is unscrupulous on each parties actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: SLM CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Sallie Mae credit card. I am in a debt collection program. The credit card company is calling my parents ( who are not on my credit card ) trying to locate me. This is inappropriate to reach out to family members who are not on my credit application. When I confronted the Sallie Mae representative, they replied " We wanted to make you respond ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

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 2022-12-30
Company: EQUIFAX, 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:
THE FOLLOWING INQUIRIES ARE FRAUDLENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
ATTN Fraud Department : Remove fraudulent accounts 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 2020-01-03
Company: EQUIFAX, INC.
State: MI
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:
Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.

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 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.

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 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After noticing OLIVER ADJUSTMENT COMPANY on my consumer report I contacted them and asked for validation of this alleged debt. When my request went unheard I contact the CFPB because they refused to give me the information I requested and I now see why. I received in the mail the alleged itemized statement showing literally nothing but a falsified piece of paper. There wasn't a contract I requested that shows my wet ink signature and agreement with the original creditor or with OLIVER ADJUSTMENT COMPANY, nor was there any description of services they alleged I received, just medical procedures including blood count, troponin and lipase which I have no idea what they mean or how they validate this debt to be mine. My social security number thats attached to my consumer reports isn't even on here which further proves they are just trying to falsify this information. Furthermore my address is copy and pasted onto this false statement & I wasn't even living at the address they have on the statement when they say this debt occurred on XX/XX/2019! I am demanding for the last and final time that this debt be prematurely closed, stop reporting to any third parties, and removed from all of my credit reports because now this is becoming intrusive and premeditated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Account information incorrect

Complaint:
I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, Transunion, and XXXX that pertains to 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 2020-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian leaked my SSN in XXXX so I put a freeze on all of my credit accounts. I need to temporarily unfreeze my credit with Experian in order to transfer my cellphone service to XXXX ( who uses Experian exclusively. ) Despite repeated attempts and assurances from Experian that my freeze has been temporarily lifted, they continue to tell XXXX my freeze is still in place. We are at an impass. Experian implies that they are having " system problems '', but those problems have been going on for 5 days ( since Friday XX/XX/XXXX ) and show no signs of getting better. I am dead in the water until they fix things. XXXX won't proceed without a credit report from Experian, and Expeian won't issue one. Experian customer service is horrible, with overseas agents who are nearly impossible to understand, and long telephone wait times. I have so far spent 5 to 6 hours on the phone trying to resolve this matter unsuccessfully. If I could, I'd never use them again, but I have no choice in the matter. That is the problem with credit reporting companies : Consumers are nearly powerless to affect their sloppy business practices. Any help is appreciated.

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 2020-01-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a victim of identity theft on several occasions and learned through the process of disputing fraudulent accounts opened in my name that I was among the victims of the XX/XX/2017 Equifax data breach. 

Equifax refuses to provide a simple document stating this fact -- that I am among those victims. 

It is necessary for me to have such a document, as I am enlisting in the XXXX XXXX, and I was asked to provide evidence that I am the victim of identity theft. 

This is a fairly simple request, yet Equifax transferred me multiple times to multiple different departments, and no representative was able to help me. 

It is especially egregious that my request for such a document isn't being fulfilled since the very website of the data breach settlement administrator shows that I am, in fact, a victim of the breach. ( see attached PDF ) Moreover, Equifax 's online interface does not provide a digital record of past disputes past 30 days, and the company says it can only mail such documents. This is unacceptable in the digital age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID, my uncle fell ill and has since been moved to a facility to assist with his medical needs. During his XXXX XXXXXXXX, the family was not aware of the situation concerning the mortgage of the home that he was living in. The home that he resides in is Estate property that he has been managing since the death of my grandmother ( 5years ago ). We became aware of the default on the mortgage after he went to the facility when I read the foreclosure and notice of sell in the local paper. 
We immediately started attempting to contact the Attorney listed on the notice who said " anyone could pay the bill '', but no one could guarantee that this would stop the pending sale. We have tried to call the bank, but they continue to tell us that only the " authorized '' person on the account could speak with them. This caused confusion because the account is assigned to the " Estate of the deceased ''. The bank wouldn't tell us who the " authorized '' person on the account is and continues to stonewall phone calls to handle the matter of the mortgage. After we called the attorney, they said the sale was delayed due to the COVID moratorium and would be rescheduled for XX/XX/XXXX. We have tried every option to communicate with the bank and the attorney to settle the account, but have been denied any level of details about the mortgage. Their only interest is in selling the home that has been in our family for years instead of working with the family to prevent the sale to an outsider. We are willing to settle the balance, but no one ( the bank or attorney ) will talk to us about the balance details. PHH Mortgage and XXXX XXXX XXXX are trying to steal the home away from us during the pandemic without offering any options to help my XXXX uncle or family prevent the sell. The penalties, interest and fees continue to accumulate to benefit no one but the mortgage company and the attorney 's office. There was only a very small balance remaining, but now the attorney and bank fees have almost doubled the amount of payoff. This should be illegal and unethical. We have been attempting to get details concerning the account for the past 2+ months with no success. The bank has just been delaying speaking to us until the end of the COVID moratorium and now we have only days before they try to sell the home. If we could get more information about the payoff balance then we would be able to move forward, but at this point we don't know the status of the insurance, taxes, mortgage balance, etc. so it's difficult to work with a bank whose only goal is to sell the home and not work with the family/homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Waiting on my insurance check to be signed by Shellpoint Servicing. I have already filed a complaint but now they are stating in a letter to my lawyer the re-issued check has not been received and they checked on this on the XX/XX/XXXX. I sent it certified and was notified by USPS that the check was delivered and signed for on the XXXX of XXXX. I called the Loss Draft Dept and was told the check in there and being reviewed. All i need is this check signed so i can cash it and pay the contractor. This is making ill. I have XXXX XXXX and it is making me not able to sleep and worried. Please help 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 2022-06-10
Company: Experian Information Solutions Inc.
State: NY
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  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US BUS ADMIN ODA , 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 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 2017-07-24
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.

Company response to consumer: Closed with explanation