BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: I.C. System, Inc.
State: OK
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:
Dear XXXX  / XXXX  : I am responding to your contact about a debt you are trying to collect. 

Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX  XXXX. 


This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. 

Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. 



I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX  FBI XXXX  Fraud Division

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 2023-02-25
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been working extremely hard to build my credit over the past few years to the point I now qualify to purchase my first home. I have put an offer in on a home and paid off a credit card that had a balance of approximately {$130.00}. Equifax then dropped my score because it was paid off XXXX points. I am now out of range to purchase a home. I contacted Equifax on XX/XX/23 @ XXXX to discuss this issue and how to correct it. After being transferred multiple times I spoke to a XXXX or XXXX who said there's nothing is gon na do about it and I asked several times to be transferred to his supervisor and the supervisor name to which he said no several times. He stated he is the supervisor and it stops with him. This is obviously a costly mistake by dropping someone XXXX points for paying off a credit card, not even closing it. I can now not continue with purchasing my home and will be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # 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 a account without my written instructions # thecreditteam

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 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one bank usa reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: AMERICAN FINANCING CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan from American Financing. Everything was going smoothly, and I was confident I was getting the loan. Although it was a FHA loan, and I had to repair certain problems on the house. For example, I repaired a railing on my front porch, and I also had to fill in a large hole in back yard because of pipe repair.. I also had to replace electrical outlets that were near water sources. The loan was signed and dated XX/XX/2019, so I was told that the loan was approved. The only reason I didn't get it sooner was because of work that had to be done on the house. 
Finally, everything was complete, and the only thing left was the closing. On XX/XX/2019, I was called by XXXX XXXX, and told that I was not getting the loan. He said the stimulus bill the government passed had changed the investors minds. The reason I didn't qualify was my credit score was too low. The FHA guidelines state that my scores are good enough to satisfy the loan. American financial said my scores had to be at least XXXX. I believe that this company committed fraud. Also, these new guidelines should not apply to me because I already had the loan, and started this process last year. WELL Before the start of the pandemic. I thank you for your time in reading this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed    XXXX   XXXX   XXXX   numerous of times on my credit report with   XXXX   and EQUIFAX. It is showing as an repo on my credit. I have asked for debt validation from   XXXX   CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was o n  X/XX/17 .   On  X/XX/17  I ca lled back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected.   XXXX   a nd EQUIFAX is going against the FCRA by not looking into my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As of todayXXXX my care credit account which had a XXXX balance and a credit limit of {$1500.00} was closed without notice, I found out through my XXXX  credit report, considering the difficult times we are living Synchrony Bank should be a shame of themselves, this credit card is meant for a medical emergency, and even though my credit is not perfect I was not in default I paid on time and even though I was laid off by XXXX on XX/XX/2020 as soon as I could I paid off my account, I did it and I was happy to have it as an emergency, but this is not the first card this company closes, I also had a tjmaxx account credit limit of XXXX and XXXX balance and never in default, also they contacted me a week later they closed my account.I think specially now with covid19 care credit is an essential card and I shouldn't suffer the consecuences of their fears.

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 2022-09-10
Company: STERLING JEWELERS, INC.
State: KY
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:
Have a creditor that will not remove a collection after the statue of limitations. 
Jared jewelers Opened in XXXX Have spoken with company and claimed it would be removed in XX/XX/XXXX. It still stands on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Was contacted by Cans Central of Tennessee, LLC address XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX phoone XXXX saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last XXXX digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges why do I need to defend something they cant prove I did because I did not make this loan and they cant tell me where they even sent the money supposedly borrowed. I contacted my attorney and he told me to make a complaint here and he is going to send them a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: IL
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 the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: LEXISNEXIS
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:
ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This creditor did not send any information for me to dispute this before they began to report on my credit reports. 
This company should provide proof of agreement or contract that I received their services and then violated them before putting false information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used " western union '' service today to send money. After i completed money transfer page and provided my bank routing and account numbers to transfer money from i clicked " transfer ''. Then there appeared next window asking me to provide my login and password for my online banking " FOR VERIFICATION ''. 
I clicked " cancel ''. Then it was " if you cancel, this transaction will not be completed ''. 
I clicked to " cancel ''. Then next window appeared saying " your transaction is successful and complete ''. 
So, this is clearly fraud! They are asking people for online banking login and password " for verification reasons ''. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Investigation took more than 30 days

Complaint:
After reviewing my credit report I found inaccurate information on Equifax. I wrote them on XX/XX/XXXX, they have failed to respond or update my account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, INC.
State: OK
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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Former girlfriends daughter took out credit without m permission or approval in 2009 which is past the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
GM Financial {$640.00} XX/XX/2020 due to corona virus, business closed, XXXX XXXX. want 3-6 months of payments put on back end of lease. 
All they offer is no late fees and no credit reporting XXXX and other companies are helping people with leases. 
They are only helping customers that purchase cars and trucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 report act XXXX XXXX Account # XXXX, XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2021-10-27
Company: EQUIFAX, 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 fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw equifax, & my info is on the black web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$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 explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake

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