BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU 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 2015-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE

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 2023-01-31
Company: Experian Information Solutions Inc.
State: WI
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:
Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!

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 2021-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I began the process of purchasing a commercial building for my business. I applied for and was approved by XXXX for a loan. In XXXX of XXXX Wells Fargo Bank, XXXX filed a deed of trust to secure a bridge loan using my residence to secure the transaction. 
Amount : {$160000.00} Dated : XX/XX/XXXX Trustee : XXXX XXXX XXXX, a Corporation Beneficiary : Wells Fargo Bank , National Association XXXX XXXX. : Not set out Recording Date : XX/XX/XXXX Recording No : XXXX, of Official Records In XXXX of XXXX we conclude the transaction and the DoT was then applied to the commercial building, but WFB did not reconvey the previous DoT on my home. My lender, XXXX XXXX XXXX have been trying to close a refi on my home. Since XX/XX/XXXX several efforts have been made to obtain the paid-in-full or reconveyance from WFB. 
Recently, XXXX  did more research and found a reconveyance for the cross collateralized loan off my commercial property- it shows that 2 deeds of trust were recorded for the same loan 1 on my primary residence and 1 on the commercial property. Wells Fargo only reconveyed the loan off the commercial property. Luckily there was a loan # on that reconveyance. XXXX  called Wells Fargo back as of XX/XX/XXXX and they have escalated the request for a paid in full letter and reconveyance. We have no further word. 
The lapse of time has resulted in two expired rate locks and a probable increase in the final interest rate and costs. 
Is there anything that can be done to have WFB release my property?

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 2022-04-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I purchased to seat covers from XXXX in the amount of {$59.00}. 
On XX/XX/22 Citibank closed their investigation and reverse the {$59.00} credit to account ending in XXXX. 
The copy of the merchant 's response does not include shipping XXXX 's name, date of shipping, tracking number, deliver date and or delivery pictures.

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 2022-04-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Trying to change address and telephone number to get in on my on line account ... ... I have made over 17 calls to Capitol one Customer service since last XXXX when I relocated to Texas from Iowa, they all say I will never get on line to pay bills by internet unless I get a phone in my name??? ... ..They will not allow me to change my phone number since I am on my Daughter and Son in Laws XXXX Account ( they own XXXX stores in Iowa ) so I get a better deal ... ... ..They say I have to get a phone in my name for me to get on line to pay my bill. Never had any problem until I got rid of my land line when I moved..It 's going on 8 months now I have been trying to get this issue solved ... It's been challenging needless to say ... ... ... They also stopped my paper billing at the same time so I couldn't change my address or telephone that way ... *sigh It's very frustrating to call each month to pay by phone and not be able to see charges etc ... .I hope someone can help me get this problem solved..Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

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 2016-02-07
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.

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 2021-06-18
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( THE SELECTION OPTIONS YOU PROVIDE DID NOT FIT ) A dispute on the 3 cra XXXX, XXXX, and XXXX  was initiated in XX/XX/XXXX for an alleged bill claimed to be owed to XXXX  for the alleged amount of {$330.00}. I had disputed this bill numerous times and with XXXX, regarding not being properly credited for a closing bill they claim the billing is correct I still dispute it as I believe I owe far less more like under {$100.00} if anything. I was not notified in writing ( not that I can recall ) that this debt had been forward to convergent outsourcing acting as a third-party collector on behave of XXXX. Convergent started collections and reporting on my credit reports, Long story short after their numerous attempts to collect, for the full amount or 50 % they were trying to extort out of me, management ( per XXXX  ) agreed upon an amount of {$130.00} on XX/XX/XXXX, they were supposed to send me a written agreement which I requested before I would pay in full the agreed upon amount, on XX/XX/XXXX they finally sent a written agreement via email, with an error, the due date was the next day XX/XX/XXXX and this was not discussed with me, so on XX/XX/XXXX I called and spoke with XXXX XXXX and asked her for a corrected settlement agreement in which, I was assured it would be sent to me shortly. on XX/XX/XXXX I called asking where was the written agreement and that I would pay the XXXX that day instead of honoring the written agreement with the wrong due date, they chose to try and bait and switch me to pay a higher amount. My concern is since I have a written agreement and they will not honor it, how can I be sure that they will honor any agreement we come to and pay XXXX  including reporting this debt as being paid. I do not want to be scammed after paying an agreed-upon amount and then this collection company pulling a bait and switch again and going after me for more money, I thought anything in writing is supposed to be a legit agreement.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-18
Company: First Credit Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined XXXX XXXX in XXXX Tennessee in XXXX. After being a member for a year, I gave them due notice regarding cancelling my membership. I spoke to the customer representative in person and she annotated my cancelation. Thirty days passed and they continued to collect the monthly payment, even though they had agreed to cancel my membership. I attempted to speak to the representative and the original representative no longer worked there. The new representative wanted to start the process all over again. I cancelled my card the following day. While checking my credit on XXXX XXXX, I noticed a derogatory mark that impacts my points. It is a collection agency, 1st Crd Srvc opened XX/XX/XXXX with the original creditor being XXXX XXXX XXXX for the amount of {$120.00}. This is not about the money, this is about a blatant consumer abuse. Their ineptitude for not cancelling my membership when they agreed upon it, then losing the employee who originally processed my cancellation, then wanting to start this 30 day process all over again, is just plain wrong. XXXX XXXX in XXXX wanted to continue to charge me for a service that I no longer wanted. I did what was needed originally and gave them the contractual notice of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: RI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!

Company response to consumer: Closed with monetary relief