BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, WELLS FARGO BANK XXXX XXXX Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-05-21
Company: Home American Mortgage Corp
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I applied for a mortgage to buy a new construction home in XXXX California. Months have gone with little contact. I inquired about the status of my loan and has been given the run around. The loan is supposed to close on XX/XX/2021 but I still dont have an approval or denial its XXXX XXXX. Im also supposed to do a walk-through on XX/XX/XXXX not knowing whether or not my loan is approved or not. In the process of reviewing my loan the lender has violated HIPPA and fair housing laws. And I am being treated differently from other borrowers. The lender has contacted my employer and the department of treasury to get far more personal and detailed information that they need in order to determine whether or not I qualify for the loan they are questioning whether or not Im going to return to work because Im on vacation at this time. I have explained to them they I will return to work. They inquire about whether or not I am on sickleave or whether or not I have FMLA. They accuse me of lying when they make a mistake. they appear to be trying to find a reason to deny this loan because the property has gone up so much since I first applied for the loan. They have shared details with the builder realtor asking me again about my health.

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 2019-07-10
Company: National Credit Systems,Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my  granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency. 
On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account still appears after notifying the debt collector and never received any correspondence back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: CA
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 to Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.

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 2022-10-15
Company: EQUIFAX, 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:
I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights unde

r 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 A 1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Santander Consumer USA 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:
After sending several disputes to XXXX XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call XXXX XXXX XXXX to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from XXXX XXXX XXXX plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2017-07-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX  to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX. <P/><P/>As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. <P/>There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. <P/><P/>Please help me avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy 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 explanation
Consumer complaint received 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy 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 2021-05-22
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian continues to charge for a premium membership without my approval. I have cancelled the membership several times now but it keeps enrolling. I emailed Experian on XX/XX/22 regarding this, requesting a refund of the membership fee plus the overdraft fee incurred due to the membership charge. The customer service rep never got back to me or attempted to remedy the issue. Email chain attached. 
I called in today XX/XX/22, when I noticed the charge again. There was a language barrier which made the conversation frustrating to start off, then the rep interrupted and kept repeating the same script, that they can not refund. Once a supervisor got involved they agreed to refund the 2 months of unapproved charges. When I asked about the overdraft fee the rep became even more rude and refused.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, 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 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 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 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 2021-05-21
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im writing in regards to an account that was used in my name to collect funds that I did not authorize. The company name is WORLD FINANCE CO which was open on XX/XX/2020 for the amount of {$590.00}. I have tried to resolve this with the creditors itself but they have told me to call credit company instead but definitely need this off my report because its not my account as well as other account that was used in my name. Since l lost my wallet in XXXX of 2020 my identity has been breach and credit cards has been getting open in my name as it is affecting me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX After reviewing my three credit reports from XXXX, Equifax, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) 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.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.

Company response to consumer: Closed with non-monetary relief