BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2015-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTY THEFT I Have contacted Experian multiple times disputing the the accounts on the Identity theft report attached to this complaint. Experian refuse to remove fraudulent accounts and continue to report negative information on Consumer credit file.

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 2021-01-21
Company: EQUIFAX, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I made {$7300.00} of purchases on my discover card using XXXX that should have received XXXX % cash back ( {$730.00} of cash back ). Thus far I have only received {$230.00} of cash back related to this promotion and am missing the other {$490.00}. I 've made several calls to Discover but nobody has been able to resolve this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a account that is not mine. Your company is the second company to place this account on my credit report. I currently have an account with the company you represent and if this was obtained in the past it would be due to fraud because I have and always have had an good standing account with the company you represent. Please remove this egregious account from all three credit bureaus immediately or I will be forced to file legal action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received an email on XXXX saying that our online Wells Fargo account has been frozen and we've never had an account with Wells Fargo. I contacted WF to inquire and they checked our names ( XXXX and XXXX XXXX ) and found no account data. I would not give them my Social Security number for a in depth file check. They said the only alternate action would be to send a copy of the email to their Customer Advocates Group, which I did. 

At one time, we did have a mortgage that had been purchased/managed by WF but we paid it off. I don't recall that time period but it could have been the period when WF was opening accounts for customers w/o their knowledge. My concern is that perhaps that happened and funds I did not have deposited or authorized stayed in the record to be later used illegally.

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 2016-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
consumer reporting agency reporting incorrect infomation

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 2023-03-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make 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 or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AL
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 noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. 
We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. 
At this point our nerves are completely shot and we are at our wits end. 
We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home through XXXX XXXX with my loan payment, taxes and insurance totaling $ XXXX/month. They sold the loan to PennyMac who a year later raised my rate t0 {$730.00}. The only explanation I received for the increase was " Escrow Analysis ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from 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 explanation
Consumer complaint received 2022-10-25
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by DCI credit services at XXXX on XX/XX/2022. They were inquiring about an emergency room bill from a hospital. I informed them that all my hospital bills are on a payment plan with the creditor, and I would like the account number they are referencing so I could confirm the allegation. They refused to provide this information. I asked for a physical copy of the notice of the debt collection. They stated that they sent it in XXXX and will not send another one. I explained there is an issue with my local post office due to two people of the same name living in the same locale, and it may have gotten delivered to the wrong person. She said that they will not send another notice, and I am to immediately pay the debt. After multiple attempts to explain I never received the original notice, they stated that they refuse to send another one. At this point I fully believe the debt is illegitimate. I tell them that until I receive a physical copy via certified mail, I will not be paying this debt. They state they are not required to mail any notices of debt, and I need to pay the bill immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: Account information incorrect

Complaint:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

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 2020-01-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A one-year auto policy was paid for in advance for auto insurance coverage from XXXX. XXXX XXXX. XXXX. No payment information was required, as no one in this family ever leaves bank account information online to avoid fraud and abuse of access to payment details by others. Months before the coverage ended, it was clear that XXXX would not get a renewal for a number of reasons. When calls and emails soliciting a renewal were received staff were repeatedly told that There would be no renewal, and to stop all contact. Furthermore, I intentionally did not select to auto-renew my policy in my online account. XXXX then decided to try to force communication and a renewal by having a collection agency harass us for {$79.00} UDS that it is neither entitled to nor that was part of the policy termination conditions. XXXX was neither asked to carry over the policy nor had any reason to do so. Furthermore, I intentionally selected to NOT renew my auto insurance policy in my online XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

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