BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
About 10 years ago, I took out a {$230000.00} home equity loan on a rental property located at XXXX, XXXX, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clarification as to when is a " margin '', but no one was able to explain it to me. There was a complete failure to explain or disclose to me what impact a " margin '' would have on my loan after ten years. I am a XXXX senior and I feel that I have been misled and deceived into agreeing to a bad, fraudulent loan.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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

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 2023-07-11
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made my payment to Comenity on XX/XX/2023 for {$57.00}. 
They then took another {$57.00} from my debit account on XX/XX/2023. 

I called them to resolve the issue and they were of no help. They said they would issue me a paper check for the unauthorized amount but refuse to help in any way for the fee I will be incurring with my bank because of their fraudulent charge. I am now under {$57.00} in my debit account and will be charged an extra {$35.00} because of comenity bank. I called my bank and since the charge is still pending they can not put a claim through to stop the payment and comenity bank is not putting a stop to the payment on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,

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 2023-08-04
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: VW Credit
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN  CREDIT  Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-02-25
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a payment book in the mail for a car loan in my name I didnt take out or sign for. Some one took my identity and went to buy a car. They signed a loan without my permission. It has also been late every month. Did I try to help the co-signer, yes. Never agreed to put anything in my name. I even told the dealership I would not put anything in my name. I have never made a payment. This should show it is not my bill.

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 monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2023-08-12
Company: EQUIFAX, INC.
State: TX
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.

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 2023-07-14
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World Finance in XXXX Texas contacted me for a settlement on a loan. I paid the amount and got the confirmation number. Then it went into collection anyway with the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX I have been disputing the 3 credit  Reporting agencies and the collection company ( XXXX XXXX XXXX ) This is about a collection on my report, from the Company XXXX XXXX XXXX, they are collecting from a company XXXX XXXX XXXX, call XXXX XXXX XXXX in the amount {$310.00}. that I just supposedly had taken out in XX/XX/XXXX as per collection. 

On before XXXX and XX/XX/XXXX I started sending Certified Letters to XXXX XXXX to resolve it, and they return to sender without being signed. my next step was then to dispute the credit bureaus and they have been very good and deleted the collection, but Experian after taking it off my report on XX/XX/XXXX ... On XX/XX/XXXX, allowed the collection back again the exact same company ( XXXX XXXX ) same amount, in the beginning of XX/XX/XXXX. 
I have reach out to Experian sent certified letter explaining this is not my and inquired to be sent the specifics person and company and department and contract and specific way that they actually proved that this is my account. They did not sent me that proved only sent me an explanation/list of my accounts listed on the credit report and didn't remove it. 

This is the only collection account in my Report It has been very damaging and I want it gone from my record.

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 2023-08-04
Company: Experian Information Solutions 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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-08-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AWA CollectionsXXXX XXXX XXXX reported two separate Collections on XX/XX/ amounting to {$920.00} and {$1300.00} both of which have been reported as Identity theft to the police department and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to Experian, XXXX and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. Experian, XXXX and XXXX require this information to remove fraudulent items from your credit report. Experian, XXXX and XXXX have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX account number 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