BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian sends me monthly notifications to my email because I pay a monthly monitoring fee. 
Each month they have my balance incorrectly reporting. I told them repeatedly of my due and close dates on accounts. They either pull them at the wrong dates or report higher balances than I obtain after my close dates. 
I have constantly tried fixing this issue only to be transferred over and over and even spoken to rudely and hung up on.

My score has plummeted over 100+ points due to their negligence and I have been denied housing due to this.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please remove this bankruptcy from my public records it was add fraudulently.

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 2023-09-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally dispute the presence of a fraudulent account on my credit report. The fraudulent Please conduct a thorough investigation into this matter and remove the fraudulent account from my credit report as soon as possible. It is imperative that my credit report accurately reflects my credit history and financial standing. 

the following accounts do not belong to me LVNV Funding LLC, LVNV Funding LLC. I am unsure in the exact time these accounts appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BalanceOwed : {$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 non-monetary relief
Consumer complaint received 2023-01-11
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.

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 2023-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a dispute on XXXX to remove Tennessee Child Support off my credit report. This account is closed and paid off. The update that occurred afterwards is false. I have not made any recent payment to Tennessee Child Support. This update is fraudulent. My case was closed in 2022 when my son was adopted and the balance was forwarded to the county I reside in now. Also, the date of last payment is different on two different bureaus if you look at my report for Tennessee child support you will see someone put ND because there was no payment due, and all of a sudden I made a payment out of nowhere? That makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX Account Number : 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 2023-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo Bank had closed my checking account and also closed my old credit card issued by them. It was caused by WF check was stolen. They opened new checking account and new credit card per their advice. I always had both as automatic payment from my checking account. Bank rep. XXXX at the branch arranged all she told me she arranged automatically payment to the credit card just like before years. She suggested to take care one XXXX XXXX XXXX by myself. I agree it. Now after a mo. I got a new bill on XX/XX/23 and they charged me $ XXXX late fee and interest {$5.00} I called immediately and they said they will not be able to correct. I feel very unfair it was their ordered and they handled all. I kept good enough balance in my new account $ XXXX They don't agree to refund of these fees.

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 2023-01-19
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$17000.00}

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 2023-09-11
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on several occasions to have a fraud alert permanently removed from my credit file. And each time that I send a letter or I try to call someone at their one 800 number I am met with nothing. I am beyond fed up with this, and I am tired of spending money to send certified mail letters to them, and they fall on deaf ears. I have also attempted to use the self help portal to remove it from my credit report and it does nothing.

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 2023-09-17
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke to Early Warning Services via mail on numerous occasions. I am a confirmed victim of fraud dating back to when I was a minor. Upon discovering fraudulent banking accounts with negative balances on my Early Warning Report, I filled out an Identity Theft Affidavit and sent it to EWS along with a letter requesting these items be blocked from my report .his request was granted but later retracted. I then followed up and asked how they could possibly confirm these accounts were mine when I have documentation confirming I was a victim of fraud. I followed up asking for method of verification which I am allowed under FCRA 611 ( a ) ( 7 ). This request was months ago. To date I have not received this or any further responses. My consumer rights were violated and I did not get a proper investigation. I was told my disputes were frivolous but it is immoral to tell me an item is mine when I have been a victim of fraud and EWS clearly has no actual proof or documentation that contradicts this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Rent Recovery Solutions
State: GA
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:
RENT RECOVERY SOLUTIONS REPORTED INCORRECT INFORMATION TO MY CREDIT AGENCIES ON XX/XX/2016, ( R.R.S ) WRITTEN CORRESPONDENCE HAS BEEN REQUESTED ( FOUR ) TIMES FOR VALIDATION OF DEBT. ( R.R.S ) PROVIDED SOME DOCUMENTATIONS BUT IT WASN'T VALIDATION OF DEBT. 
INFORMATION THAT I RECIEVED HAD INCORRECT SPELLING OF MY NAME & SIGNATURE THAT DOES NOT MATCH MY AUTOGRAPH AT ALL. 
THE AMONTS LISTED IS AS FOLLOWS : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MOHELA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called numerous times from XX/XX/23 - XX/XX/23 and never been connected with an agent at MOHELA. I have left call back numbers and never been contacted. I have sent emails and also never been contacted. My initial payment was incorrect ( I paid ) and then my account was placed in forbearance without contacting me. I then was approved for a XXXX XXXX ( XXXX ). However, my current monthly payment is still incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was XXXX and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.

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 2023-10-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
my husband had 2 car loans with Chase Bank I have tried since XXXX XXXX  to take legal financial responsibility in order to properly insure both vehicles and add my name to car registrations. I have emailed and faxed all supporting documentation to the bank. I have also reached out via phone and their response is that it is against their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This marks my third submission of a complaint through CFPB concerning the remaining fraudulent items in my Experian and XXXX Credit Reports, as well as the unattended fraudulent items by the XXXX Credit Bureau. Due to these issues, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in ensuring the resolution of these fraudulent items, particularly the inquiry issue on my XXXX Credit Report. Here 's a list of the fraudulent items I need to have removed : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXX/XX/XXXXXX/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 2023-09-17
Company: Nelnet, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
II paid off a loan with Nelnet in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but Nelnet will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I obtained a credit card. The company reduce the credit limit without an explanation from {$9000.00} to {$6900.00}. The credit limit was reduced a 2nd time from {$6900.00} to {$1700.00}. I reached out to the company who states I am a risk. I demanded an explanation. The male stated that they did not have to get me a reason. The credit limit reduction affect our credit and looks as if we spending all the funds on the credit card. 

During COVID, I apply for payment relief due to my husband 's reduced hours. Wells Fargo stated assessing late payment during the payment delay process. I called and a female stated they would research and return my call. I never receive a call.

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