BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a forbearance under the CARES Act. It was granted. I informed Wells Fargo that our next hearing for family court XXXX and the parties plan to reach a settlement XX/XX/2023. 

I cant even qualify for a loan now because my primary residence is in foreclosure. I have a 5 and 6 year old and work full time. I was willing to resume payments. I did for a period of time but was persuaded to go back on the forbearance at the end of my dissolution process because of increased attorney fees. Now despite me willing to pay they have foreclosed on my home and demanded the entire lump sum payment. I will be automatically excluded for 2 years from any lender due to Wells Fargo initiating the foreclosure process in XX/XX/2023. I was told yesterday that there is nothing they can do for me unless my spouse signs the forbearance to place the payments on the back of the loan which he refuses to do. My former spouse inflicted XXXX XXXX which could have permanently impaired my ability to make an income. I paid for the down payment and all closing costs. Used my SP to buy the home. I solely paid the mortgage for 5 out 6 year marriage. Meanwhile he is working part time and pulling from our retirement without my knowledge resulting in a {$350000.00} loss to our forecasted retirement. I submitted my application but my spouse called and cancelled it over the phone and XXXX removed me from their program. This system in California is broken. I was on FMLA and I have carpal tunnel and other mental health issues due to being locked down with my abuser. Following separation he immediately removed internet which took several months to obtain during COVID. Im approved for compensation for victims as I did everything under the legal system but XXXX XXXX had ZERO consequences for XXXX  XXXX perpetrators. Law enforcement in XXXX XXXX are at a complete loss. I am too. There is no justice for a victim of XXXX XXXX in this county.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX a XXXX male. I started an online XXXX friendship with a female XXXX XXXX. Our communication was friendly, and she was very convincing. A few months ago she asked me for my Chase credit card information. She asked me to help her receive her inheritance money but first had to pay the taxes on the inheritance. She promised to pay off my credit card balance and would make payment to my credit card. In return she asked me to buy XXXX XXXX gift cards to send her because she had not established a banking account. When my bank alerted me that these payments had been returned because of insufficient. funds. I messaged XXXX XXXX that this was unacceptable. I immediately called Chase Bank and asked them to lock my account from any further payments. I also changed my password so she could not have access. Multiple payments were still sent to my Chase credit account amounting in {$12000.00} after I had locked my account. I'm so embarrassed and distraught from my mistake with XXXX XXXX and how I allowed her to be so trusting and convincing in her XXXX values and sympathetic. needs. I have since blocked her from my phone and all social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of 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. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or American Honda Finance such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : 1. American Honda Finance, Acct : XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: In progress
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I am writing to request the deletion of fraudulent hard inquiries on my TransUnion credit report. I am a victim of identity theft, and these inquiries have been made without my knowledge or consent. The hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023. 

As a responsible individual, I monitor my credit report regularly and noticed these unauthorized inquiries immediately. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. These unauthorized hard inquiries not only harm my credit score but also violate my rights as a consumer.

I have taken all the necessary steps to protect myself from further identity theft, including notifying the credit bureaus of the fraudulent activity. However, I am now requesting your assistance in removing these unauthorized hard inquiries from my credit report as soon as possible.

I am deeply concerned about my credit score and the impact these fraudulent inquiries could have on my financial future. I urge you to take action promptly and ensure that these inquiries are removed from my credit report without delay. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue. 

Sincerely, 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 2023-07-09
Company: EQUIFAX, INC.
State: VA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new car that was financed through Kia Finance. I intended to pay cash, but the Kia dealer convinced me that I could get a lower price on the car by financing it, because the dealership gets a benefit. So, I financed the car through Kia Finance. Then, I proceeded to pay off the car by submitting the full payoff amount, which was stated by Kia Finance as {$43000.00}. The payment could not be submitted in full, because the upper limit was {$25000.00}. Consequently I submitted the payoff in XXXX payments ; XXXX for XXXX and another for XXXX. The payments were submitted on XXXX XXXX, and recorded on my bank account on the XXXX for XXXX, and the XXXX for XXXX. 
I am a retiree, and this money is from our savings. Every dollar is important. Despite the fact I paid the loan in full by the time the payoff amount was valid, Kia still shows a balance of {$1000.00}. I have spoken to them about this 3 times. The first time, the clerk acknowledged that I had paid in full by the time required, and promised to get it taken care of. I have the conversation recorded. After 2 or 3 weeks, the balance is still there. I called about it today, and the clerk argued about this with me and eventually hung up on me. I called again, and asked for a supervisor. The supervisor named XXXX, again acknowledged the account was paid in full by the payoff amount date, and said he will submit a request to clear the account. In fact, XXXX informed me I had paid an excess of {$9.00}. 
It is unthinkable that a credit institution of this caliber would continue to make gross errors of this kind and not endeavor to correct them. At this point I have no faith that they will correct this and will continue to demand an excess of over {$1000.00} to get my title cleared and the account cleared. 
Please assist us with this travesty of credit handling. I feel I am fighting a giant hiding behind a bunch of questionably qualified clerks with little power to do anything for the customer. 
Thank you for your attention to this issue.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-03-23
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,

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 2023-03-23
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2022-11-02
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called Franklin services for the collection account on my credit butno one was answering and i have also emailed them. I have filed a dispute through XXXX numberous times for a collection under my account with Franklin services and XXXX with the original creditor. I don't owe anything from XXXX because i have cancelled my account for their service even before i had to start, so i have never received any sort of service from them. When i cancelled i made sure they didnt charge me anything and they had told me yes its cancelled and i dont owe them..so it has come to my surprise that i have {$100.00} for a collection on my account. I will not ruin my credit just for a {$100.00}. I am happy to pay that amount if i had receive any service or account from XXXX pertaining to this amount but again I did not. So please help me delete this collection account on my XXXX  because i was able to dispute this on XXXX. Only XXXX have been giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: International Computer Systems, Inc.
State: TX
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:
Good afternoon my name is XXXX XXXX and i received a texas gas letter that i need to pay {$430.00}. They used the address that im leaving in XXXX XXXX XXXX XXXX XXXX XXXX I never have no one permission to use my personal things im reporting this because i dont need to pay that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
3 Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: DriveTime
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My phone was stolen an someone decided to apply for different credit cards an sign up for things that I know i wouldn't get a approved for my ID copies of my social where in my phone so all my information was compromised an I've called several companies to let them know I never applied for a credit card loan or nothing eles am nothing has been done I don't need all these extra things on my credit when I'm trying to establish my credit I Need help getting this credit cards an loans I never applied for off my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had planned on attending a graduation in XXXX on XX/XX/2022. XXXX XXXX stated they had to cancel my flight due to scheduling difficulties. I traveled on XX/XX/XXXX to XXXX. I had reserved a car with XXXX through XXXX and I requested a refund due to the situation. I called XXXX and XXXX with no help in sight. Then I filed a complaint with my own credit card Citi, proving them a letter from XXXX XXXX stating that they had cancelled my flight. Consequently, after going back and forth with Citi and speaking after speaking with XXXX today trying to explain but he stated they could not accommodate me and that if I did not have it in writing as to XXXX XXXX XXXX stating that I am entitled to a refund, CIti was not a part of this dispute. Consequently, since I do not own a plane it appears that the extra money I paid is justified and that I have no recourse even if my flight was cancelled by the airlines. Further, since I did not ask them for a refund that basically I have no recourse. It appears, Citi has sided with the vendor that they are not obligated in any way to refund me. 

I am hoping that you can find an amicable solution to this matter. 

Thank you. 

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 2023-06-09
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief