BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
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: Their investigation did not fix an error on your report

Complaint:
Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either XXXX, XXXX, or Experian. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  XXXX  as well as Experian have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either Transunion, XXXX, or XXXX. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  transunion as well as XXXX  have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is  impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, The collection agency National Credit System Inc., ( XXXX, GA, ) has refused to stop reporting to the credit bureaus or cease collections for a aged out debt from XX/XX/2015. Which they were misrepresenting as past due rent/eviction and after being confronted of illegally misrepresenting charges and the aged out collection. They changed their tune to collection for damages to the unit. Which is also misrepresented on this time barred aged out debt ( according to Nevada statue of limitations ) where nothing was reported as damages, but maintenance after a unit has been vacated, that's suppose to be the responsibility of the property at XXXX at XXXX XXXX. The unit was cleaned and there were no excessive damages reported that justify these charges. Only regular maintenance after the premises had been vacated. As you will notice the rental agreement wasn't renewed and their actions seem to be a hostile form of relatiation. After later, being made away of the pain and suffering caused from the community pool area. They received written notice, payment of rent and the keys were returned. I don't understand why they would continue to violate the laws and pursue on a non-contract agreement from 2015 unless this is intended to deliberately cause extensive hardship to myself, which it has. There actions has caused me extensive pain and suffering for almost eight years, I'd like it to stop. I've tried to reach out to management at XXXX at XXXX XXXX but nobody has returned my calls. I've tried to resolve this with the collection agency but they have been unprofessional and uncooperative to resolve something that they're aware is creating a great deal of hardship in my life and damaging my credit and living situation. 

I'm attaching a copy of the itemized charges that were vagly explained without any proof to support the charges of XXXX in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Shellpoint Mortgage Servicing. I'm also in the process of applying for a refinance loan through another company. On XX/XX/XXXX I began making requests to Shellpoint mortgage for a loan payoff quote. I've made at least 10 requests between then and now. I've called and emailed numerous times and to date, it has not been resolved. I've asked to have it escalated to the complaints department or the office of the president and I've been ignored. At this point it's now been 27 days since my initial request and I'm no closer to receiving my loan document. No one can help me and no one knows what's going on. I'm in danger of losing my refinance loan at this time because I can not obtain a valid payoff. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed several complaints about Wells Fargo so far Wells Fargo has not called me but only sent a letter to bbb so Im filing again then next time sense Wells Fargo has changed committed fraud and identity theft Ive filed a police report and I have an attorney that has my paperwork showing how Wells Fargo has tried to open a credit card in my name and has now settled with this yet I did file with the mediation department I have not been contacted one time about this I will turn this over to the attorney to go ahead and file I open court to resolve this issue I know now that Wells Fargo can not send this to arbitration I can sue them I recently gave Wells Fargo another chance and now Im getting the same results with the credit card I have and I also closed my checking account due to the fact to many problems and issues I do have a police filed so I dont want excuses from Wells Fargo if I dont get any contact by this bank I will go ahead and file in court I want this settled with compensation for what I been through I do have proof of the credit card that was almost open in my name the attorney advised me that Wells Fargo did not selttle on this matter that this needs to be cleared up or Im going to take this bank to court I will file another complaint with cfpb about this matter Wells Fargo has done nothing but caused problems and I want this resolved

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 2017-07-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I do think their loan statement is misleading the change of interest rate. Their statement is saying new interest rate is effective on XX/XX/XXXX every year. However, new interest rate has been applied on XX/XX/XXXXevery year. For the XX/XX/XXXX payment, {$580.00} was applied to interest ( {$240000.00} * 3.25 % / 12 ). If New interest is effective from XX/XX/XXXX, new interest rate shall be applied from XXXX payment. So the interest payment for XX/XX/XXXX pymt ( which was interest accrued during XX/XX/XXXX ) should be {$530.00} ( {$240000.00} * 3 % / 12 ). They may charge correctly based on Note I agreed. But the monthly statement is misleading the new interest effective date. I have asked them to correct but they refused. Plz review if the statement is accurate or not. I contacted Wells Fargo in XX/XX/XXXX thru their online bank. Thanks

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 2022-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORTS. THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This is a NEAR duplicate of Complaint XXXX with additions. I am filing this new one because I was not able to upload documents to the original. It is also not clear which sponsor of Current is the correct recipient of the complaint, so this complaint lists the other sponsor 's address ( it isn't clear which of the two banks listed is their sponsor, or both ). This is yet another problem with Current. Current app doesn't state clearly or disclose whether and how XXXXXXXX XXXX  XXXX XXXX XXXX, or XXXX XXXX Bank is the sponsor, or how these three entities differ in their relation to Current and Current 's customers. 

I opened a checking account with Current a financial technology company, through their sponsor, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy. As you will see from the attached screenshots of the process, nowhere does the app tell you it will mail a form or ask for permission. Immediately upon entering the employer 's address, a screen pops up informing the customer that a form will be mailed to their employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a debt collection letter by Midland Credit Management stating that I had a XXXX XXXX XXXX XXXX XXXX XXXX account. I've checked my credit XXXX report and see no report on this account. The amount that is states I owe is {$7000.00}. Supposedly my last payment date was XX/XX/XXXX and my date of default was XX/XX/XXXX, account was charged off on XX/XX/XXXX. I don't ever recall ever opening this account. 
I've called the company, but I felt very sketchy vibe over the phone. They were very eager and demanding for me to pay this account that i have no clue about. 

Please would really appreciate the assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The credit reporting agencies XXXX XXXX  XXXX XXXX and Transunion XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport

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 2022-06-10
Company: Integrated Recovery Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from XXXX XXXX XXXX. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21
Company: ID Analytics, Inc.
State: FL
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:
Filed a complaint before only for you guys to close complaint cause the credit company sage stream reached out one time leaving a message for it basically end in same results .. I even filed online to receive my report ( got the info that says it was accepted ) ( screen shot ) and still nothing so what the excuse now? .. also still cant ever reach a person on the phone from sun up to sun down its automatically sends you to a voicemail that promises to get back to you in 24 hours ( nothing ) .. this is a is beyond baffling to me to receive a report and to place a freeze I have never been through any of this with other credit agencies and you allow this company to run ( something isnt right )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Uber Technologies Inc.
State: MD
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 a credit inquiry from XXXX XXXX on my XXXX credit report that I did not authorize. I have tried to call and get the issue resolved, but I keep getting a voicemail and no one is calling me back. The email I could find is invalid. So through calling and email I can not reach anyone. I did not give permission for this company to obtain my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-02-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX CARD - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Dept of Education/XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation