BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,

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 2022-03-16
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened XXXX XXXX XXXX in numerous states without my permission. I don't even know how to open or get a XXXX XXXX XXXX I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call XXXX. Since my original report I have heard complete radio silence from anyone and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

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 2015-07-20
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX 2017, Bank of America took adverse action by unilaterally [ without consulting me beforehand and without a hearing or notice before the account was frozen ], by closing/freezing my several bank accounts with them, for all three-credit card, savings, and checking-after over ten years of loyal patronage with them as their customer and cardholder. 
I followed up with them throughout the months since then, the latest was in person in XXXX, NY at the XXXX XXXX Branch, but they refused to reopen/reinstate my account or let me open up a new account. When asked from time to time, during my appealing and petitioning, they said it was a 'business decision ' but did n't elaborate further.

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 2022-07-12
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 Account # 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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 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 2017-05-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  XXXX , I owned a property located at  XXXX   XXXX   XXXX   XXXX , NJ  XXXX .    Wells Fargo  claimed they completed a sheriff sale in  XXXX  of  XXXX , while I was still living in the home and while I was on a modification arrangement with the m. Wells Fargo  used dual tracking to foreclose on the home through an Attorney  XXXX ,  XXXX  and  XXXX  whom I sent payments to that were cashed by the law firm tha t Wells Fargo  had hired.  XXXX   XXXX  and  XXXX  were admonished in  XXXX , however they still collected payments from me through  XXXX , while i was still the owner of the property.    Wells Fargo  never confirmed a sherriff sale. On  XXXX   XXXX ,  XXXX  I contacte d Wells Fargo  who confirmed that I am eligible to do a short sale, the short sale documents were sent to  Wells Fargo and  were excepted by them. On  XXXX   XXXX ,  XXXX , the deed was filed 3 years later by the firm of  XXXX   XXXX   XXXX  who were NOT the original attorneys on the file. Also the Indenture date of the  Sherriffs Sale  is 5 days before the actual sale.    Wells Fargo h as clearly committed several frauds. I am requesting a full investigation into this matter prior to me hiring outside counsel.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and Experian so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting 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 explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MN
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:
On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: FCI Lender Services Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a loan modification with my 2nd mortgage FCI. My first mortgage balance is XXXX and it is current. I also have equity in my home. On XX/XX/XXXX and XXXX I sent in all missing documents that were requested ( same day ). On XX/XX/XXXX I was advised there are no missing documents and FCI sent the file to the investor ( XXXX ) for approval. On XX/XX/XXXX the loan modification was denied due to having incomplete documents and they stated no appeal is allowed because the sale date is too close. FCI stated the bank statements sent in was missing pages. This is not true and the pdf file come directly from my bank website and each page is numbered. I earn more than enough income to be approved for a loan modification. The investor knows there is equity and they are trying to push a sheriff sale because they do not want this loan on their books any longer. I do not want to be forced to sell my home or file a bankruptcy due to this investor. Proof attached to show the modification was in process.

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 2022-03-16
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX was supposed to send me an e-mail or an e-bill for the remaining balance on my account. I made a first payment on XX/XX/XXXX of {$300.00}. There was a remaining balance, and XXXX XXXX said they would send me another bill. I didn't receive the bill. XXXX XXXX sent my bill to a debt collector. The debt collector goes by RMP Receivables Management Partners ( RMP ). They called on XX/XX/XXXX and said I owed {$330.00}. I called XXXX XXXX to ask what happened with billing me? XXXX XXXX didn't try to contact me -- until the debt collector called. I paid RMP the {$330.00} owed. Now this is showing as a problem on my credit. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCM is reporting a debt on my credit report I do not recognize the debt as mine and when I asked them to validate the debt- they sent me the attached letter. According to the FCRA they, as a credit collection agency, are required to validate a debt. It looks to me like they are just cooking up a bunch of numbers. I ca n't provide them with statements for a debt I never had I ca n't provide a fraud or identity theft report because I do n't think that is what happened. I think they are trying to tie my name and SSN to a debt that does not belong to me. And when I asked them to prove or validate that this is my debt, they could not. Therefore, it needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received letter from this company informing that they had received a inquiry from me concerning an account that I owed them. I made no such inquiry and I do not know them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I consolidated my student loans years ago. These old XXXX loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( TU, XXXX, XXXX ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old XXXX loans ... .That are paid!!!

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 2018-07-27
Company: CONTRACT RESOLVE GROUP LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX XXXX This man has called my office multiple times a day, Called my employees multiple times a day. called my cell phone multiple times a day, called my elderly parents, my brother every family members concerning a business debt that none of my family are involved in, he has been harassing us for over 2 weeks now with phone calls and emails as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making payments and some times late. But I always bring paytments up to date.  The card has been closed for some time now. But I am paying it off. I am on a fixed income and can not pay it off in one pament. So I wish they would stop calling every two to three hours about these patments when Im sending their money. If I could pay them in one payment I would.  Thank you for any assitance you can give.

XXXX XXXX
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX  ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX at XXXX XXXX when trying to withdrawal funds from my Venmo account, I received an email stating my account has been frozen due to recent activity that appears to be a violation of our User Agreement. ( Direct quote from email ) Upon further review I did not violate any terms of the User Agreement. The email asked that I verify my identity with a photo of my license or government issued ID, which I did the same day. I reached out directly to Venmo customer service by chat and phone. They could not give me any answers, they would not tell me why my account was frozen, what User Agreement I violated, when my funds would be available, nothing. I reached out to XXXX XXXX and XXXX XXXX with only one automated response. I have detailed notes of everyone I spoke to and what information they gave me or couldnt give me. I got misleading answers from two different customer support supervisors. I have a balance of {$850.00} I was withdrawing that money because I need to use it, and now it is frozen with no response or answer on when it will be available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.

Company response to consumer: Closed with explanation