BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.

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: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  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 explanation
Consumer complaint received 2022-03-16
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, Caine & Weiner, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EOS 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 information incorrect

Complaint:
EOS CCA Collection Agency {$1200.00} reporting to credit bureau.which is incorrect must remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft

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 2019-10-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a rental property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, on advice of my lawyer, we formed an XXXX and the deed for the property was transferred into the XXXX. This continued for almost 5 years until XX/XX/XXXX when we received a notification from the mortgage company that transferring the deed to the XXXX was in violation to the mortgage agreement. After several back and forth between my lawyer and theirs, we did move the property from the XXXX per their demand. 
In XXXX the mortgage company offered to refinance our loan for property to achieve a better interest rate. In the process of this process we discovered in XXXX XXXX that the mortgage company had unilaterally and without any notice decided to take our excess payment of {$14.00} to a separate account. We had sent this over payment every month since the loan inception and it had been applied to the principal until XXXX XXXX. We requested of the mortgage company an explanation and they responded with the attached letter dated XXXX XXXX, XXXX. Apparently they had charged {$800.00} as a litigation fee. 
We have since paid off this loan including the {$800.00} charge. We declined to take mortgage company to court over the litigation fee since a lawyer would cost us in excess of the charge and, based on history, the mortgage company may well attempt to charge us their legal costs. For your information, we spent over {$1000.00} to change the deed back to our names. 
Following are our complaints with the mortgage company and would appreciate your assistance to resolve any or all of these issues. 
1. The litigation fee of {$800.00} charged to us by mortgage company appears unjustified. Our lawyer simply questioned them on their objection to the property being placed in a LLC. After some conversation with the mortgage company, he reluctantly advised us to change it back which we did at our expense. We believe the litigation fees charge us by the mortgage company {$800.00} should be refunded to us. 
2. The mortgage company had no right, without prior approval or notification, to take the excess {$14.00} each month and apply it to their stated litigation charge instead of the principal as had been done for years. We believe this was inappropriate on their part and they should be precluded from taking this type of action with other customers. 
Thank you for any assistance you can provide.

Company public response: Company 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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX is currently showing XXXX late payments on XXXX XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. Equifax is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received letter on the XXXX  of XXXX, with the date of the XXXX  of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX  of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Mid-Atlantic Finance Co., 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: Investigation took more than 30 days

Complaint:
I have reached out to first MidAtlantic Finance Company and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at Midatlantic who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report. 

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX AND XXXX REPORT TO ALSO BE REPORTED TO MY XXXX REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account

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 2022-03-16
Company: EQUIFAX, INC.
State: OR
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to get information on my loan a account ledger from Brigecrest financial in which I was told the sold my loan to a 3 party company and have no information of my account when I asked how did you even pull my account up or is you sold my account why dont you have a day of sale to the 3 party and dont you have to have a receipt for your im companies auditing they were rude and was hung up on many of times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am contesting the accuracy and completeness of information contained in my consumer 's file at my credit-reporting I am requesting a reinvestigation under the Fair Debt Collection Practices Act, 15 U.S.C. 1681i. and this agency is not answering as they should : Receivables Management Systems located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX E-mail : XXXXXXXXXXXX Phone : XXXX - XXXX - XXXX XXXX : XXXX The information I am contesting is a claim for health care services and/or supplies provided by patient first in XXXX VA dated XXXX 2015 alleging late or non-payment by me. I have enclosed information from the Department of Defense, XXXX XXXX XXXX, which explains the Government 's role in the delay in payment or payment of less than the billed charges. I request that you reinvestigate this matter and delete the negative information from my consumer file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( JXX/XX/XXXX, Dispute No. XXXX ) ; Experian ( XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly 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 explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I WANT TO HAVE THESE PRODUCTS REMOVE ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation