BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: PA
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.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( 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 2022-12-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Prior to contacting Kay Jewelers about my lost credit card, I contacted a number XXXX. When giving information to look up my account, the lady notified me that she was unable to find my account and I dont have an account with the company, which I have for years and I never canceled it. She then insisted that I give her my entire social security number to look up my account, which I refused. She informed me there no other way to look up my account. I believe that this was an attempt of fraud in obtaining my social security number. I was able to locate another number for Kay Jewelers customer service where they were easily able to locate my account with out obtaining my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX  whose home was destroyed in Hurricane Ian & my XXXX  is a XXXX. 14 days after the hurricane, our mortgage was bought out or transferred to M & T Bank. Ever since then, we have had nothing but issues with this mortgage company. Every time you call their loss draft dept, you get a different answer. Some of their agents are not trained right. 
It's been almost a year since hurricane Ian & we have completed extensive repairs to our home so we can move back in. Our home is approx 90 % done right now, however M & T Bank claims it's only 50 % done ( per their inspector ). Because of their inspectors report, they will not release any more insurance money to us. However, their inspectors have only done " remote '' inspections & have never been to our home. 
Last week I requested an in-person inspection be done and M & T bank cancelled my inspection request. Now they claim they need another " scope of work '' from my insurance co XXXX XXXX XXXX XXXX XXXX ) which went out of business in the state of FL. So now I have forced placed insurance thru M & T Bank but their agents don't seem to know that. One customer service agent tried calling my old insurance company, even after I told her I had forced placed insurance thru M & T Bank. 

M & T Bank seems to make every excuse so they can keep the insurance money as long as they can. I'm sure they " make money '' off of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
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: Problem with personal statement of dispute

Complaint:
Refinanced mortgage with XXXX mortgages. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). First National bank says they did not receive until Monday XXXX XXXX. Since it was past the XXXX of the month, they reported delinquent payment to my credit report. I disputed via XXXX to no avail. I called first National bank of omaha and they claim they can not remove from my 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 explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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 15th endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo Dealer Services is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. I am also aware that under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file during the pandemic. I have had an account with you for a very long time and this is extremely disappointing.

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 2022-10-10
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Was notified that a credit application was put in to Discover financial services for a credit card. I called when I found this out and had the account canceled and closed this happened on XX/XX/XXXX and I found out about it on XX/XX/XXXX as well. I called to cancel everything XX/XX/XXXX, then I received the credit card and mail XX/XX/XXXX. The credit limit on the card says {$7500.00} just wanting to file a report so I can have it in my records. I have my credit file locked and did put out a fraud alert on my account. The person that put in the application used a fake email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to 2010 approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a XXXX XXXX under XXXX, I can't reverse things due to stress and my XXXX XXXX, XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: WA
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 aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have/had an auto loan with TD Auto Finance. The payments were automatically withdrawn from my account for 59 of the 60 payments. In my last payment should have been in XXXX and I assumed that like the last 59 payments they would take it and send me the title. After about two months I wondered why I haven't seen the title. I called TD Auto Finance and was told that I had to make the final payment manually and this written in my contract five years ago. But the man was very understanding because as he put it this happens to everyone. I've had auto loans at other banks and have never had to do this. I now have to dispute the late mark on credit report. If this happens to everyone it is obviously a systematic and deceptive procedure they have put in place to gather extra interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Social Finance, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been unable to close my account Crypto Currency/Brokerage  account because it has a {$.00} Crypto Currency balance which is below the minimum SoFi requires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/2020 but SoFi completed the transaction leaving my account with a {$.00} balance. I have requested that SoFi close my account on three separate occasions but they have not closed my account because of the miniscule balance. 

My most recent request to close the account was on XX/XX/2020. On a prior attempt to close my account SoFi replied ; We are not able to close the Crypto account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: General Motors Financial Company, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
GM Financial has been reporting my auto loan is late. This loan has been pain off since XXXX 2017. I have attempted resolution with GM Financial and they assured me the issue would be addressed. As of this date nothing has been done. I have afforded them ample opportunity to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PER ESQ. " XXXX '' OF LEGAL AID OF XXXX NEVADA WELLS FARGO HAS A REPRESSIVE HISTORY OF DECEPTIVE BUSINESS PRACTICES THAT IN " XXXX XXXX '' IS THE RIGHT PLACE TO BE IN FILING A COMPLAINT WITH " CFPB '' WHO M ACCORDING TO " XXXX '' CAN SEEK COMPLIANCE BY WELLS FARGO TO ASPECTS OF THE FAIR CREDIT & REPPORTING ACT. 

FURTHERMORE THE CLAIMS THAT CFPB HAS MADE IN SENDING COMPLAINTS FILED TO THE " FTC '' HAS BEEN REFLUTED BY FTC IN SAYING THEY HAVE NO COORDINATION, ETC. WITH CFPB TO MONITOR CFPB COMPLAINTS IN ADDING THIS TO AN EXISTING FTC COMPLAINT, FTC STATE THAT THEY DO NOT REPRESENT THE INDIVIDUAL. 

WELLS FARGO CLAIMS TO HAVE CALLED THE COMPLAINTANT IS FALSE TO THE POINT THAT WELLS FARGO DOES NOT ANSWER CALLS OR CALL BACKS FROM THIS COMPLAINTANT TO DATE DUE TO THE EXCESSIVE BILLING TO INCLUDE BILLING FOR STRUCTURAL INSURANCE WELLS FARGO HAS BEEN NOTIFIED THAT AMERICAN FAMILY INSURANCE HAS ALWAYS PROVIDED SAID COVERAGE REQUIRED ON THE MONTHLY XXXX DUES- THEREFORE WELLS FARGO MUST PROVIDE A 4 YEAR REFUND FOR THIS EXCESSIVE COVERAGE DUE TO THE UNPREDICTABLE BILLING FROM WELLS FARGO THAT HAS CHANGED THE COMPLAINTANT MIONTHLY BILLING FROM AM ROUNDED FIGURE OF {$600.00} TO NEARLY {$800.00} PER MONTH CAN NOT XXXX SUSTAIN & AS A RESULT WELLS FARTGO HAS BEEN ASKED TO STOP AUTOMATICE WITHDRAW IN ORDER TO NOT JEOPARDIZE THE COMPLAINTANT CHECKING ACCOUNT RESERVES. THEY HAVE NOT COMPLIED WITH A WITHDRAW FOR XXXX, 2022. 

AUTOMATIC WITHDRAW MUST IMMEDIATE STOP & BE SUPPLEMENTED WITH A MAIL IN SYSTEM. AUTOMATIC WITHDRAW WAS PUT IN PLACE FOR PEOPLE MORTGAGE AND NOT WELLS FARGO!

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 2022-12-12
Company: ALLY FINANCIAL INC.
State: NV
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: CO
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:
My wife and I had a mortgage with XXXX XXXX  of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a XXXX sq ft house to a XXXX room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: CA
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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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