BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
COMMUNITY LOAN SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Open XX/XX/XXXX Status updated XX/XX/XXXX Balance {$250000.00} COMMUNITY LOAN SERVICE Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. COMMUNITY LOAN SERVICE have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I Bought a condo in XXXX and the mortgage was sold to Wells Fargo. In XXXX we tried to refinance and or take off the PMI. Wells Fargo under value the appraisal and would not removed the PMI. Further, they refused to offer us a lower interest rate. We ended up selling the condo in XXXX at a lost.

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 2023-04-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MS
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:
Equifax has recieved my previous FTC report and has given me a confirmation number for deletion of inquires but they have not been deleted! I demad these be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MI
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 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed inaccurate information that was being reported by 3 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to no avail.

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 2023-01-22
Company: Galaxy Capital Acquisitions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
on XX/XX/XXXX, this company put a lein on my bank account. AND HAS STOLEN MY WAGES FROM IT TOTALING {$1000.00} through a so called judgement that they said they recieved against me XXXX yrs ago that i have no recollection of being served any court orders to appear. i immediately sent the attorney debt validation letters to validate the alleged Debt. they did not respond with any answers to the validation questions on the letters. tracking XXXX XXXX XXXX XXXX, XXXX, XXXX THEY REFUSE TO RESPOND WITH ANY ANSWERS. 
this alleged judgement NEVER reflected on any of my credit reports after said judgment was ruled against me ON XX/XX/XXXX for a non appearance .since then I have sold the home where the address of the alleged judgement was placed against me 7 years after the alleged judgement was placed against me with no leins showing at settlement. i have also been able to lease, purchase new automobiles with no records of any leins againt me, purchased another home with no leins against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: VA
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 received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2023 - XXXX Credit Review XXXX on this letter! 
that I applied for credit and I did not : Reference # on the letter - XXXX * Unable to verify identity information was reported on this letter which created a hard hit Inquiry on my Credit Report, I called the company and reported Identity theft to XXXX Credit Review to please remove this hard hit as it says : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/2023 I've called Equifax to remove this and reported disputed online- they said no! 
Dispute was closed the very next day on the weekend Sat and Sunday, I want this hard hit off my credit report under the Inquires. 
I have froze and reported identity theft on my Equifax report XXXX XXXX XXXX ( XXXX ) XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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 is missing that should be on the report

Complaint:
XXXX XXXX has reported 3 of my credit card accounts as Past Due but none of my credit reports contain the required Metro 2 field of Date of First Delinquency to comply with the FCRA and Metro 2. XXXX XXXX is NOT Metro 2 Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into Metro 2 and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX XXXXXXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for Metro 2 Reporting obligations. My account is disputed in its entirety yet XXXX XXXX does not report my account as disputed. Follow Metro 2 guidelines and report my account permanently as Disputed.

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 2023-06-14
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:
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Payments not properly applied. XXXX fees applied when they werent supposed to be ( during XXXX ). Improper repossession. Then a high balance after repossession and repeated harassment by XXXX after repossession.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a refund coming to me of XXXX and when they deposited on my account the bank took it money back and made my account negative and they are forcing me to pay it back when it was money that was own to 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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


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 2023-01-22
Company: MoneyLion Inc.
State: MI
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:
Back in XXXX XXXX of XXXX I opened a credit Builder loan through money lion financial institution. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} XXXX XXXX my account States the {$400.00} was put back into my bank account and on the financial page it reads XXXX payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} XXXX paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my Roar money account also known as my spending account {$50.00} on my credit account {$20.00} on my XXXX XXXX  account and 10 on my investment and crypto accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXXXXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Credit inquiries on your report that you don't recognize

Complaint:
When I went to apply for a personal loan at a bank it says I had too many inquiries within XXXX... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is reporting a fraudulent account on my credit report from the creditor, " XXXX XXXX XXXX XXXX ''. Not only are they reporting this fraudulent account along with a collection agency this also reporting this debt. On my report it is three difference balances due on the fraud account. I have asked them to explain and provide me with details as the creditor has yet to. On my report is says the Original Balance is {$33000.00}, then it says the charge off amount is XXXX which is a XXXX difference, how is this even possible, but they don't see the error nor the fraud in this .... Then it shows a paste due balance of {$1900.00}. The collection agency is reporting two difference amounts as well on this fraudulent debt.. All of this effecting my creditor report and debt to income ratio tremendously. The fact this account is still reporting on my report as I have submitted documentation and police reports is mind blowing to me. I'm asking to have this agency remove this fraudulent account from reporting against me. I have called numerous times, been promised a supervisor would contact me back and still to date no one has reached out to me. I have asked them for proof of this debt and still I have yet to receive any type of verification of this debt.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Reported False Information Resulting in multiple ( 3 ) late payments, i wish for them refresh and update my payment history & removed those late payments!

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 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached letters of accounts that are reporting incorrectly and inquiries I did not authorize

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: 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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Emergent Business Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Emergent Services continues to spam call me and keeps calling my work after they have been advised not to contact me at my place of employment. Today XX/XX/23 they have called me 14 times in less than 2 minutes on my personal phone number. They also tried calling my place of employment. I dont know who or what they are trying to claim that I owe them money for but they have been advised not to contact me or contact my place of employment to speak with 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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