BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was called from phone number XXXX by an automated caller " this is XXXX calling about your credit card interest rate. Please press XXXX to speak to a representative to lower your interest rate ''. I pressed XXXX and got to a representative names XXXX XXXX ID # XXXX said he worked for account services on behalf of all the credit card companies. He asked me my balances and what card I carried and the first digit on the card. I asked him who he was and he said Account services, he worked in XXXX, company based out of XXXX. He said he is working off Experian reports but he needed me to get my credit card account number in order to lower my rates I pay. There was a long discussion about asking him who he was and where he was located. He would not give me a phone number to call him back so I could confirm who he was and what company since he did n't know much about me. He said he follows the FTC and it is all safe to give the information. He uses Experian credit reports to make the phone calls. Refused to give his phone number, company name or address. He then said do n't waste my time, I asked to have my number removed from his database and never call me again and he said he would call me every day. I informed him that he is violation of the telephone consumer protection act by calling me on a do not call list with no business relationship. He then informed me again he would call every day and then hung up. I tried to call back the phone number that was given on my display on the phone XXXX and it was a disconnected number. I get these calls from " XXXX at card holder services '' at least XXXX10 times a month and has been going on for years. I am tired of it and someone is in violation of the law but you can not find out who this is. Please hold them accountable and find out who is doing 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 2022-03-28
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2021 we successfully completed our mortgage modification trial period proposed by Wells Fargo. Prior to making our final payment during the terms of the trial period we contacted Wells Fargo daily and were unable to connect with our representative by phone or email. We waited on hold for hours, were disconnected when being transferred, and when we spoke to other representatives we were told that our modification was still being processed. 

In the following nearly XXXX months since the completion of the mortgage modification trial period we have continued to make payments faithfully. We have also continued to try to get in touch with Wells Fargo only to find ourselves back in hold, having our point person changes several times, being transferred to representatives that sincerely seemed as puzzled as we are about why the modification has not been completed. 

At this point we reached out to an advocate to help us resolve the modification and move on to a more sustainable management of our mortgage with Wells Fargo going forward. Wed like the modification to be completed. 

In addition to this delay, our payments are not being fully applied as less than the prior amount, & therefore accruing additional interest inappropriately and continuing to cause damage to our credit. 

Sincerely, 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XXXX  it show 2 XXXX XXXX loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on XXXX  and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. XXXX has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.

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 2015-07-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
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: Information belongs to someone else

Complaint:
I am a 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 explanation
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to 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 2017-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent my info to the XXXX credit bureau and they havent clear my name and my score. First i dont have a middle and second they haven t fix it. Cause of the i cant get approve in me buying a house..

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 2020-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX FRAUD CLAIM LETTER attatched USAA POLICY temporary credits provided until fraud investigation is complete ARE MADE PERMANET. Kindly note this claim date XX/XX/XXXX TOOK TEN ( 10 ) MONTHS TO COMPLETE INVESTIGATION TO MAKE CREDITS PERMANET. see attatched XX/XX/XXXX statement XX/XX/XXXX {$200.00} & {$280.00} TEMPORARY CREDITS ** ARE NEW PURCHASES ** I DID NOT PURCHASE XX/XX/XXXX?? Why are TEMPORARY CREDITS ( no time to have been made permanet yet ) REPLACED WITH NEW CHARGES I DID NOT AUTHORIZE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Genesis FS Card Services, Inc.
State: VA
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 entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with FEB-Retail which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including FEB-Retail. This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Allegiant Capital Recovery LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allegiant Capital Recovery calls me day and night - and while I am at work- and leaves voicemails for someone named XXXX XXXX. I am not XXXX XXXX. I do not know who that is. I got this number from XXXX. I have requested in writing on their website ( that I was only able to get by XXXX  the phone number they left ) for them to please stop and that they have the wrong person. They won't stop. They leave threatening vague voicemails that do not even identify their company. How is that legal? Why won't they stop? There doesn't seem to be anything I can do to make it go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from my credit report.

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 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Attached you'll find my most current credit profile as of today XX/XX/XXXX from XXXX a paid service. There are highlighted areas within the attachment that I circled/pointed out as inaccurate and being reported incorrectly. 

XXXX XXXX There are several addressed on the XXXX  report that aren't mine at all. 

XXXX ) There is a Bank Of America Account starting number with XXXX that is reporting previous late payment However the whole account was agreed to be full deleted from my credit report back in XXXX of XXXX by Bank of America. 

XXXX XXXX There are several Hard Inquires highlighted at the bottom of the report that were Not Authorized and I believe to be Fraudulent.

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 2015-08-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written countless letters and called XXXX XXXX number for assistance, to no avail I haven't received a call back or a letter, only one from Lexis Nexis Risk Solutions LLC, requesting my information, which I sent in a copies of my Driver License, and Social Security card. I also sent certified letters too. I requested to have my accts freeze and copies of my data sent directly to me, because its outdated and incorrect information. Each of the companies neglected my request and hasn't responded to certified mail or call ins. 
XXXX XXXX DL # XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As per Federal Law, the statue of limitations, 7 years, has elapsed on the alleged debts, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. Experian must comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) 1 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6400.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Monthly Payment - Past Due Amount {$6400.00} Highest Balance - Terms Revolving Responsibility Individual 2 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3700.00} Balance Updated XX/XX/XXXX Credit Limit {$2800.00} Monthly Payment - Past Due Amount {$3700.00} Terms Revolving XXXX - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6600.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Past Due Amount {$6600.00} 4 - Account Name XXXX Account # XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$5200.00} Balance Updated XX/XX/XXXX Credit Limit {$4100.00} Monthly Payment - Past Due Amount {$5200.00} =

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 2022-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been told they have the wrong number, that I have never heard of not know anyone named XXXX & to stop calling me but I receive 1-3 calls a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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, XXXX XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

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 2022-03-28
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
My complaint is in regards to an over correction/charge that CITICARD XXXX inexplicably placed on my account on XX/XX/XXXX of XXXX and still HAS NOT REVERSED FROM MY ACCOUNT AFTER OVER TWO MONTHS of my speaking to various representatives. They are almost never the same ones that either claim to escalate the matter or a credit will be issued that hasnt been done to date. 

This is basically what happened : I placed a dispute with Citicard XXXX XXXX in regards to a Best Buy charge of XXXX and Citicard issued a conditional credit of XXXX on XX/XX/XXXX. Then on XX/XX/XXXX after Best Buy issued a credit and partial credit on some charges, Citicard reversed the conditional credit on XX/XX/XXXX, XXXX Best Buy had issued a full credit and partial credit which meant their initial charge was the appropriate remaining balance and Citibank reinstated the initial disputed charge of XXXX. Thus on XX/XX/XXXX, I closed the dispute online as after reviewing my online statement the charges were correct. 

BUT ON XX/XX/XXXX and after the XX/XX/XXXX statement close, CITICARD placed another Correction charge on my account of XXXX. This is an extra unauthorized charge placed by Citicard not Best Buy and I could not dispute the Citicard placed charge online. In the following days, months, Ive spoken to numerous representatives @ XXXX to get the extra correction taken off my account to no avail and I sent the dispute department a certified letter which they received an XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX about the issue, the following day, XX/XX/XXXX, I spoke with XXXX on live chat following up, XXXX or XXXX? on XX/XX/XXXX, XXXX on XX/XX/XXXX, on XX/XX/XXXX, XXXX or XXXX said I should check back again in 7-10 days, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX,. On XX/XX/XXXX, XXXX or XXXX promised me Id receive an adjustment on my account within 7 to 10 days which NEVER HAPPENED. XXXX on XX/XX/XXXX gave me the case number XXXX. My latest call was to dispute department supervisor XXXX on XX/XX/XXXX and I demanded to know what the hold up was or I would contact someone in the corporate office. He insisted he would call me the next day, Saturday XX/XX/XXXX, but I received NO PHONE CALL. 

What I expect is a credit correction of XXXX to my Citicard account balance ASAP as PROMISED and a letter of confirmation from Citicard and I want to be able to see the credit appearing on the next credit card statement as completed. 

.

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 2016-03-15
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection account from the Fresno Credit Bureau appeared on my credit report for the first time in the summer of XXXX. The balance was {$250.00} and the original creditor was XXXX XXXX XXXX opened on XXXX XXXX, XXXX. I was fully covered by student insurance at the time. I never received the bill from either parties nor was I ever notified of this bill 's existence or when it went into collections. After speaking to XXXX XXXX XXXX directly, they confirmed that they had attempted to contact me at the incorrect address and phone number. After confirming that they also failed to bill my insurance, XXXX XXXX XXXX verified that all outstanding balances shall be written off and removed from my credit report. A couple weeks later, I received a letter from the Fresno Credit Bureau, stating that my collection account has been cancelled and requested for my account to be deleted from consumer reporting agencies. After noticing that the collection account is still appearing on my credit report, I reached out to the Fresno Credit Bureau in XXXX XXXX by phone and they claimed that the paperwork has been filed and my account should be taken off within 30 days. It has been 8 months and the collection account is still on my credit report.

Company response to consumer: Closed with explanation