BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i have a problem with wells fargo. on XX/XX/XXXX i have noted that there was two unauthorized charges in my business account ( {$5200.00} and {$1300.00} ) the description says " BUSINESS TO BUSINESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( i have one account for my business ) so i called them on XX/XX/XXXX to put a complain to the bank. On XX/XX/XXXX i received a letter from the bank and says that they are not able to reimburse the money because too much time passed before i notified the bank. i went personally to the bank for help at least three times and the last time they told me that they can't help me and the claim was closed. 
* i noted that the amount of the unauthorized transactions match with two checks deposited by me in my business account on XX/XX/XXXX so i asked the person who gived me the checks and says that the money gone out of him account on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and Experian are also reporting the same error.

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 2022-06-09
Company: Own Up Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved by own up for a loan. They are the middleman for other lenders. I submitted all my documentation, got the quotes that i Qualify for, I sent them the purchase agreement so that I can get alone estimate, they're refusing to give me a loan estimate without me locking me In Is end submitting a payment. I told them that that's illegal And they are obligated to give me my loan estimate. I've given all my documentation, I already got the approval, and now they're Withholding the loan estimate from me unless I pay and lock it with them 1st.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell Transunion and XXXX are also reporting the same error.

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 2022-08-02
Company: EQUIFAX, INC.
State: NY
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 had applied for and received a HELOC in XX/XX/XXXX through XXXX XXXX. At that time I received notification that my credit score was XXXX supplied by Equifax. Subsequent to that I refinanced my primary mortgage and in order to do so, I needed to close out the HELOC, which I did on XX/XX/XXXX. In XX/XX/XXXX, after I had refinanced my primary mortgage, I applied for a HELOC with XXXX Bank again. On XX/XX/XXXX my credit score was reported by Equifax to be XXXX which XXXX Bank used to lower my tier and increase the rate. 

I made several calls to XXXX Bank and to Equifax to obtain the exact information sent from Equifax to XXXX Bank on XX/XX/XXXX and XX/XX/XXXX because my credit report did not show any major events in that time period. In fact, in that timeframe, the closing of the primary mortgage had been reported but the new loan ( the refinanced mortgage ) had yet to show up on the credit report. So how could only that information cause an almost XXXX point decrease in my credit score. 

I was told several times from Equifax that they only provide the information and the score is calculated by the bank, XXXX Bank in this case. I was hung up on and told that they could provide my current credit score but not the score as it existed on XX/XX/XXXX. I was even told that there was no hard inquiry from XXXX Bank on that date, which a look at my credit report will show is a lie. All this time they knew that erroneous credit scores had been reported. 

This was not just an error, this was a deliberate attempt to mislead a consumer and to obfuscate the failure of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
The Lender XXXX XXXX has inaccurate reporting on my credit history. First with transunion XXXX. XXXX. XXXX the are report my account as okay, but on experian it's reporting as 30 days late XXXX. XXXX. XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account. 

Lender is also reporting that I had one 30 days late payment in XXXX of XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.

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 explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
For Experian, XXXX and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.

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 2022-12-22
Company: Orions Management Group, LLC
State: MA
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:
I have several inquiries and accounts that are 100 % fraudulent. I have disputed, but to no avail, I absolutely didnot create accounts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: AZ
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:
I had called equifax was on the phone for about 35 minutes going back in forth with the agent I had asked if they had any written concent from me the consumer to furnish all these accounts she checked my file then told me there was no such file. So I said why are these alleged obligations furnished on my consumer report with out my written concent? She said we got your information from creditors I said so your also sharing my information with out the consumers request and you furnished alleged obligations on my consumer report knowing they are alleged and not true. She then goes on to say its a data base and they just go on automatic. I said I'm demanding deletions of all these accounts as to 15 usc 1681 b ( 2 ) you guys never had my written instruction to furnish these on my report with out the concent of me the consumer. She said she can not delete them and I would have to talk with the creditor who gave my information to them before they can delete anything. Equifax is furnishing on my consumer report on alleged obligation to debts that are not mine. I then went on to say I do not own my social security number im just a iminister agent that card belongs to the social security administration i have to give it back at there request. I do not own it and I do not own any of these debts attached to it 15 usc 1602. Only me the consumer can validate any debt nobody but me and these are all alleged debts. Then went on to tell them yoy guys are civilly reliable according to 15 usc 1681 n and that reporting is voluntary and not mandatory. They pretty much said I have only the power to dispute such allegations and they are going against my consumer rights and they need to be held accountable I've been violated on these alleged aligations and demand deletions and remedy for my troubles as a consumer and original creditor. I have the recorded call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and fraud. The company has violated my rights and is reporting fraudulent information on my consumer report. the company has failed to supply a valid contract.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries from XX/XX/XXXX and XX/XX/XXXX from both XXXX and TransUnion I disputed several times with both that they were unauthorized

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 2022-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXBalance : {$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 explanation
Consumer complaint received 2022-08-02
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX FL XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Stern Recovery Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A loan was taken out without my consent. I called Stern Recovery Service and they wanted a {$1.00} fee paid by credit card not debit and i can't get a credit card unless this is fixed. It's {$1400.00} and I was not aware of this and I refuse to pay because that would basically be paying for someone who stole from me after being stolen from. I am not sure when this took place

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 2021-08-04
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Found out on XX/XX/2021 that LJ Ross Association had added a two debts to my credit file in the amount of XXXX and XXXX. The debt is originally from XXXX but I have no record of it and I have two insurance companies which have not been billed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation