BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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:
Despite multiple written requests, the erroneous items 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/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-03-21
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have followed the account creation process per LendingClub.com and their staff. 

There is an error. I am unable to finish account creation, nor able to sign-in. No one is able to resolve this via email or the basic levels of customer support. 

I've been told a ticket has been submitted to resolve the issue. I currently do not have a way, online, to pay my installment via LendingClub, which is a digital bank. 

I've also been told that when the ticket is resolved and the account creation issue is resolved, I will not be provided with an update. Follow-up is being put upon me. 

Each call takes between 20-30 minutes of time. Each person I speak to is increasingly non-committal and unwilling to provide any clarity, nor any specifics as to when the issue will be resolved and their next steps, beyond asking me to continually check in with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did a remodification on my home loan with Wells Fargo two times to save my home from foreclosure. It was like ten or 8 years ago and unsure of the loan number. I owed maybe XXXX on my home but when I sold it for XXXX I was told I would only receive XXXX because of the loan modifications took must of my money.

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 2020-03-11
Company: EQUIFAX, INC.
State: MD
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:
I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to dispute the fraudulent account listed on my credit report. I recently received a copy of my credit report and was shocked to find that there is this account that I did not open and have no knowledge of. The account in question are is : XXXXXXXX XXXX XXXXXXXX XXXX Original Charge Off Amount : {$1100.00}. I can assure you that I did not open this account or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. IN accordance with the Fair Credit Reporting Act section 605b, I am requesting that the company involved investigate this account and have this account removed from my Credit File. I have here attached a copy of the FTC report I received from the FTC for reporting the theft of my identity and used to having this account opened under my name. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have 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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX  my XXXX XXXX home foreclosed on a XXXX mortgage ( elac ) that was taken out from Wells Fargo. The property was sold by Trustee at public auction. The deed was transferred to highest bidder. Ever since then the first mortgage ( held by Wells Fargo ) was never taken over and still till this day is still in my name being paid by new owner. I have spoken to lawyers, Real Estate Agents, OCC, CFPB, and Wells Fargo as well to get this problem resurrected to no avail. These processes have taken countless hours over many years to try and resolve.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's 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 2023-01-20
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:
The creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX Balance : {$260000.00}

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I fill a form in the TransUnion website to get my credit score. 

As specified in the XXXX XXXX  website, it was supposed to be free : XXXX XXXX XXXX XXXX XXXX  " You may pay a fee to order your credit report online if you want to see it right away. TransUnion allows you to order your credit report online once a month for free. '' However, I have been charged 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 monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed multiple times for inaccurate addresses. These bureaus say that they can not remove addresses from my report and say that they are attached to accounts when one of them is an address that does not exist. They will also not take off multiple names that belong to me. They will not give me information on how they verified these accounts as well.

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 2022-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I reached out to Equifax to request my consumer report AND FILE. Equifax did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have Disputed a Collections account that is incorrect and was supposed to be deleted off my credit report, TransUnion is the only still reporting this debt. I disputed and I sent a letter for XXXX of this dispute and to send me information on how this was determined verified as accurate. I have not received such information from TransUnion, I received a letter stating that the account is accurate and they did not have to reinvestigate, I did not receive any information I have requested for from TransUnion. I will attach the following document I sent without my person information on there.

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 2019-08-01
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 fraud alerts or security freezes

Complaint:
Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them I want to send my DOCUMENTS through this complaint thanks.

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 2020-02-13
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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: NC
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:
Today XX/XX/XXXX I had my credit ran at a local dealership and it still showed that I have a car loan on my credit from a car I no longer have.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE A BUNCH OF HARD INQUIRY ON MY REPORT THA SHOULD NOT BE THERE SHOULD NOT BE THEREON MY 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 explanation
Consumer complaint received 2023-01-20
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2023 to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}

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 2021-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up on CFPB cases XXXX, XXXX, XXXX. 

The cases I opened have been closed without addressing root cause. 

I requested stop payment on checks returned by XXXX directly by postal mail instead of sending them to bank directly. 

They were not processed, but I rescheduled payment to XXXX that was processed without funds in my account. 

I transferred funds into my account at XXXX XXXX IST on XXXX XXXX as I am in XXXX now, but it wasnt credited yet by wellsfargo until XXXX XXXX 


Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your WELLS FARGO BANK NA checking account ending in XXXX in the amount of {$450.00} was processed on XX/XX/21. No further action is required on your part.

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 2023-04-14
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity Bank late charges when account was paid on time that are error & fraud by Comenity Bank because I wasnt late. I have already filed complaint with XXXX & Alabama Consumer Complaint. There are hundreds of other victims per XXXX XXXX XXXX XXXX with same problem I was advised by XXXX 

I made purchase XX/XX/2022 and returned few items I was over charged for 2 items. I was credited with some of the items but its still not correct. I paid account in full of {$48.00} on XX/XX/2022 on phone payment. 

I had {$30.00} late fee pop up on my account which was paid on time. I thought it would resolve and be removed that it was just billing error. Comenity Collection Department keeps adding fees and placed over at XXXX Credit Bureau as late not paid lowering my score from XXXX to XXXX. 

Now Comenity Bank has harassing calls daily 24/7 and text. I have erased most of their calls but saved a few of recent harassment. 

I could pay the fee but I dont owe fee. Im seeking lawsuit and penalties fir Comenity Bank for fraudulent transactions that others at XXXX XXXX XXXX has noted as a consumer problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past few months I've been disputing a debt with Remex, they have not sent me any information to verify the debt. They have continued to call me, at work, even though I've begged them not to! I think they've been using an auto dialer to call my cell phone and work and my parents!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax is a bunch of frauds! I have been told by Equifax to submit a FTC report and police report, this is my third time sending. I called and the agent told me my report was in error and to resubmit it, the 3rd time i did and after i called FINALLY, the agent told me that it looks like someone marked off the FTC report numbers! 
So i asked, is it possible the scanner had an error while uploading to their system and he said no! 
So who crossed out the FTC report number if it wasnt me?? 
Equifax better remove these incorrect accounts immediately as i would be forced to seek legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2022-02-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland funding XXXX XXXX They call and send me letters all the time. From an old account from awhile ago. I have told the company several times to stop calling me multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX was totaled. On XX/XX/XXXX, XXXX XXXX provided a payoff amount of {$33000.00}. Ally Financial accepted the amount and told XXXX XXXX to send me a check for a portion of the proceeds totaling {$1900.00} for sales tax and license / transfer fees. I received this amount via ACH in early XXXX. Farmers confirmed with me that Ally had also received their payment. I made a car payment on XX/XX/XXXX. I followed up with Ally and they told me the account was going through accounting and not worry about the account any further. I followed up on the account every few weeks until XX/XX/XXXX when they finally closed the account. They also reported two missed payments on my Credit Bureau Report with all 3 reporting agencies which isn't accurate. There are no statements from Ally stating that my account is or was past due as the account was suppose to be closed. I've reported the inaccurate information to all reporting agencies and Ally. I don't trust that they will handle this properly after the experience I've had with them. They're impacting my credit when I truly need it most.

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