BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear XXXX, XXXX, & Experian Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, 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 2023-05-01
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX representative for XXXX XXXX All Rights Reserved UCC 1-308 Re : Defamation of Character notice SANTANDER CONSUMER USA account # XXXX You are using Color of Law to collect, publicize, furnish, share, disclose and report inaccurate information about me as defined by 15 USC 1681a ( q ) ( 3 ).

These actions are depriving me of my right to contract. In addition to the credit extension deprivation, I have also missed and continue to miss a substantial amount of work which has resulted in me incurring and ongoing loss of wages. 

My previous communications have been, neglected and outright mishandled. After reviewing my records it was discovered that there has never been a fair or equal consideration of value in this matter. I hereby demand my vehicle be reported as paid off, my title delivered via mail, and the release of all my funds paid, including interest accrued in regards the the vehicle under previously stated account. 

Failure to comply or properly respond to this notice will serve as your reluctant agreement to the statements made herein this notice, your agreement to FULL liability for any injuries caused, criminal prosecution and will absolutely result in further legal action being taken against you. It is not the burden of the consumer to further prove legal validity of TILA rescission once the complaint was not responded to in a legally timely manner. 

It has also come the the administrative and legal counsels attention that you have been erroneously and illegally acting as administer over his account that belongs to the administrator XXXX XXXX the legal holder of this account. Because you failed to disclose all the terms of agreement ( the word you mention in this correspondence in all its variations is referring to SANTANDER CONSUMER USA and its associates ), youre serving in the capacity of anything other than fiduciary/trustee is hereby terminated forth with and henceforth. 

Under the Federal Debt Collection Practices Act, I now exercise my legal right to challenge the validity of this debt your agency claims I owe. 

I declare under the laws of XXXX that in the before mentioned statement of facts is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

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 2017-06-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian 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 2023-11-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, a parent on my youth XXXX XXXX sent her payments for her XXXX and XXXX XXXX to my account via XXXX. The XXXX fee was {$90.00} and the XXXX XXXX  fee was {$75.00} and both sent to me the same day but 2 different transactions. Wellsfargo was notified on XX/XX/2023 by XXXX XXXX that the transactions were fraud. I advised Wellsfargo that the transactions where not fraud but they suspend my account XXXX token. Wellsfargo advised me to notify XXXX that she must cancel the fraud claim with her bank and once that done then my account restrictions would be reinstated. I spoke with XXXX and he stated that there is nothing he can do and he would not advise me of XXXX account. As for a supervisor and they stated no one is available and sent to escalation line. He stated that there is nothing to do with the claim and provide me with no way to help me.

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 2023-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A car loan was taken out in my name. Car was returned after 2 days. The company threatened to call cops on me. They went back on the loan. I do not have the car. It happened in 2016. The company is called Credit Acceptance.

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 2023-11-28
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector engaged in threatening deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-07-22
Company: EQUIFAX, INC.
State: CT
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 a collection on my Equifax credit report. I have sent the company and the credit bureau letters to verify the debt and have asked that they provide me with the information they used to verify the debt. To date, no such information has been provided to me even though Equifax has stated the debt is valid and my credit file has been updated. I have advised Equifax multiple times that the debt is not mine since it can not be validated and that it needs to be deleted. I have also advised Equifax that reporting information that is not accurate is a violation of the FCRA. To date, they state the collection is valid, but have never provided me a signed copy of an agreement or any other information that validates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On XXXX, I spoke with XXXX XXXX of The Wells Fargo Executive Office Case Specialist Office and she informed me that she was speaking to The Bankruptcy Team in regards to a Court Modification. I am concerned about this process because Wells Fargo refuses to adhere to agreement to Modify my home immediately without Trial Payments and remove the total arrearage payments for the years XXXX. This is Obvious Discrimination. Why am I regulated to Bankruptcy and continued destroyed Credit which has been the case for over 10 years when Wells Fargo did not honor it's agreement. My loan is also PREDATORY and The original closing Documents from XXXX XXXX XXXX  XXXX which clearly demonstrates I was not in Foreclosure is evident and dated... Americas Service Company a subsidiary of Wells Fargo had this information all along and ignored the facts when they placed me in Foreclosure. As a result, Wells Fargo knew years ago. Yet, Wells Fargo refuses to rectify the situation. I am in the process of submitting the required retainer to obtain a Law Firm who is Finally able to assist with attaching my case to several Class Action Law Suits and obtaining the services of The Justice Department Finally.. I will upload The Stamped XXXX Letter proving my claim this Afternoon.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: NC
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:
This is not a duplicate. 

I am complaining regarding violations of law by XXXX. 

XXXX reports to my credit file, account number XXXX, and is the furnisher. 

XXXX, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

XXXX, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, XXXX card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously submitted a complaint dye to Caliber intentionally avoiding removing my PMI. I submitted a check along with paperwork that described improvements I had made on my home. Last time, there was no resolution. I decided to wait a few months and try again. I filled out the paper that Caliber sent and filled out the improvements made on my home ( again ). I also mailed in a check for BPO for the price that they had on the paper ( {$150.00} ). Now, once again, they are doing the same thing as last time. They have now sent me a statement saying I have to redo the paper and send a check for {$150.00}. There is nothing ethical about them intentionally avoiding my PMI deletion when I have done the steps asked multiple times. Every time I do what they ask, they change the steps I need to take. Yet again, they cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We had a water claim at our home. Our insurance company XXXX XXXX, has sent 2 checks ( with more to come ) for periodic distributions when stages of work is complete. It took a while but the first check was ultimately accepted by Key Bank, the mortgage company. XXXX XXXX has issued a second check for carpet replacement. I have tried to deposit the check with KeyBank and the local branch can not get the mortgage company to give them direction on how to deposit the check. In the meantime, the contractors need to be paid, which I have had to do out of my personal funds. I had to do this to keep the workers on track for the next stage or repairs. Yet I can not get KeyBank to deposit the funds into my KeyBank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from the same company ( Comenity Bank ) using many different phone numbers. This same company has also been calling using a no caller ID plus unknown caller They have been calling my phone number every single day including XXXX and XXXX since XX/XX/2023. They have also been calling me repeatedly each hour or two hours each day for the last 5 days from XX/XX/2023 until current day of making this report on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TN
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:
Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$230.00} Reported balance Highest balance {$230.00} You've paid off 0 % of this loan OVERVIEW Highest balance $ 236 Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 7 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Telecommuncations/cellular Responsibility Individual Remarks Collection Account Account information disputed by consumer, meets FCRA requirements XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$1600.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$1600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times 30/60/90 days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See XXXX mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Utility company XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: NY
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:
Hello, About 5-6 months ago, I tried to cancel my card before the annual fee was issued in it. I contacted Citi, and they closed the card. Not the account. I didnt have access to my online portal. Upon coming back from vacation, I noticed I had mail from Citi saying I didnt pay. I was worried because I didnt wan na ruin my credit score. I instantly tried to go on my citi account online and pay even if it isnt my fault. But I didnt have a card anymore so I couldnt reset my password and make the payment. I contacted citi via the phone and the customer service rep told me not to close my card, he solicited me to keep my card and that Ill get a XXXX XXXX  credit to use which will offset my XXXX XXXX balance. I said okay thats fair, and ordered a new card. I tried using the card and it got denied. I contacted citi again and yet again they confirmed I just need to use XXXX XXXX and the balance will clear. I tried using my card again and still nope. And this final time I spoke with citi just now, the guy was threatening to report me for refusing to pay my bill. They misinformed me multiple times and this is affecting my credit score. I dont know how to report them for constantly giving me different information but this has been exhausting and frustrating.

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