BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Kikoff Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This kickoff company never send me a book the they said they will they keep charging me and report it to the credit bureaus like if they really sold me a book when is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We're the seller of a house that the Lender ( Renasant Bank ) in question is funding for the buyer. The lender did not disclose that they were helping the buyer use a Program called Georgia Dreams, which gives some kind of assistance to a first time home buyer. This particular assistance program involves a lengthy process that can last up to an average of sixty days, according to information on the program website. 

The lender only let everyone know about this exception on the date of the closing that it wasn't going to happen, which is not acceptable. 
Because the lender gave no warning to any of the parties involved, the closing date has passed with no end in sight. We can no longer fund the purchase of our new home and the seller of that house will likely bail out and look to sell to someone else. 

If the lender had disclosed that the closing would not be on time and in fact would likely take weeks longer than normal, we would not have made a house offer that we couldn't complete without the funds from this sale. 

Their actions have caused a cascading effect which is not only frustrating but economically devastating to several parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete the following unrecognized credit inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022. 
I also attached the copy of the letter i sent you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX  XXXX lost the payoff check and marked me 30 days late for two consecutive months. XXXX and XXXX of XXXX. The dealer has record of the check being cashed in XXXX. I sold it to them ( XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, mi ) on XX/XX/XXXX. I lost over XXXX points and XXXX XXXX now just disconnects me whenever I try to call and get it rectified. I've tried more than 10 times which is completely rediculous. How can a company mark you late after they receive a payoff. This a blatent abuse of power and gross display of ignorance on their behalf to not even acknowledge that they made huge mistakes throughout the process.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-20
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have rights to privacy.

15 U.S.C. 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi, I contacted and talked with an agent in the BOA using the mobile app to transfer my credit limit from my old credit card ending XXXX to the new one ending XX/XX/XXXX. I asked the agent to transfer the {$900.00} credit limit from my old credit card to the new one which ends up changing the credit limit of my old credit card from {$1400.00} to {$500.00} and the new one from {$13000.00} to $ XXXXThe agent initially gave me false information and told me that she can not do that as it is impossible to move the credit limit between the credit cards. Since I have done it before multiple times and I knew that it is possible to do this transfer, I asked her again to check if she could do it fact that I was sure it is doable. After holding in the line for few minutes, the agent told me that she could do this and I need to wait for a few minutes to see the changes in my end. I immediately checked my mobile app and I got to know that the {$900.00} is deducted from my XXXX credit card but it was not added to my XX/XX/XXXXcredit card. I told her the situation and she said it may take some time to see the update on my end and she said that she can see the changes on her end. She told me that she can see my credit card limits changed to {$500.00} and {$14000.00} as it was supposed to be changed and she disconnected the call while I was talking. I called after a few minutes that I found that the credit limit in my XX/XX/XXXXaccount did not change to {$14000.00}, and I was told that the first agent just reduced my credit limit in my XXXX account and did not initiate the credit limit transfer but just the credit limit reduce and she did a mistake. The new agent apologized and connected me to her supervisor but both of them tried to request a credit line increase to fix this situation which did not let them fix it. I was told there is another way to fix this error which occurred due to the BOA agent earlier. This credit limit reduction has significant impact to my credit history and needs to be fixed 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 monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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: 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 explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have a Satisfaction Of Mortgage that Dates back to XXXX XX/XX/XXXX recorded with Register of Deeds here in XXXX Wi. Chase our Current Lender states not Chase Loan. I found that was a XXXX  XXXX XXXX Loan.I also found out that I have a S.O.M, with Chase Which is recorded with our Register of Deeds Here in XXXX Wi. 
on XXXX is fully paid and Satisfied, also certified by Register of Deeds here in XXXX Wi. Letter from office of Comptroller XXXX. S.O.M. 
loan started in XXXX, was paid off XXXX.Letter from XXXX XXXX XX/XX/XXXX XXXX XXXX Loan Holder , XXXX XX/XX/XXXX XXXX Balance . 
Note XXXX XXXX XXXX XX/XX/XXXX Wi. Statute XXXX { XXXX } XXXX { 10 } { A } Letter to Director of Civil Operations XX/XX/XXXX. Comments on XXXX? 
XXXX XX/XX/XXXX Mortgage Settlement Nothing from Them.. Wi. Law.. 
Housing Market Crash of XX/XX/XXXX. This is were our mess started.S.O.M. 
From XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX back to XX/XX/XXXX. 
A E-Mail from a Mortgage Analyst XXXX XXXX. That the Mortgage is Satisfied From Chase. This has been going on for Years.. I have paid Chase over {$60000.00} since XXXX. Refund? Or Just Close our Current Account paid in Full. XXXX Years Old, lost my Wife this past XX/XX/XXXX. 
XXXX years old.Lets Doe Something.??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
WellsFargo admits to changing my account without my consent form savings to checking with no overdraft protection. WellsFargo admits they were aware that I already had a checking account with overdraft protection.
WellsFargo also admits they received a refund from a merchant after automatically withdrawing funds from the unauthorized account sending the account into overdraft for more than {$1000.00}. 


WellsFargo admits I told several bank representatives about the strange account activity. WellsFargo admits a bank manager and assistant manager have written emails with additional questions where I swiftly responded. 

Now WellsFargo claims to not use email to communicate with customers. WellsFargo also can not explain how activity occurred on a closed account. 

WellsFargo claims I deposited a check into this closed account with no overdraft protection. I never saw this check nor authorized the deposit. 

When they respond to this I will post it. It shall read as all others. WellsFargo admits no wrongdoings. WellsFargo has no explanation of the experience and will not investigate. WellsFargo has finished responded because WellsFargo is not governed by the CFPB and is not required to respond further. 

Over {$14000.00} was drained from the unauthorized account. After my second complaint to CFPB WellsFargo sent an email admitting massive fraud but still refused to explain the obvious theft from my account. 

I have several emails from XXXX XXXX and XXXX XXXX of WellsFargo from my initial 2 complaints. Since then WellsFargo claims to have implemented a company wide policy eliminating email communication.

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 2020-11-11
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: Information belongs to someone else

Complaint:
I HAVE BEEN A MEMBER OF XXXX XXXX XXXX FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON EQUIFAX.COM THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON XXXX  FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY EQUIFAX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address.XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: AZ
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 trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified. 

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, 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 2022-03-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
was late on 2 payments right before hurricane Harvey hit in 2017 i contacted santander the 2 weeks before and did i promise to pay and two days later, my car was gone .... never returned my calls and refused to let me get my personal belongings out the car ... {$12000.00} owed on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union Refuse to process my transaction for the past 3 years, when i called and speak with the agents they said they are unable to tell me why they can't do it.

Company response to consumer: Closed with explanation