BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper / Previously Nationstar MTG I refinanced my mortgage with Mr. Cooper ( Previously Nationstar ) in XXXX. Upon refinancing I had a couple of debts that needed to be rolled into the loan. One in particular that actually drug out the closing because it was required to be paid to close the loan. All of the information in terms of paperwork and documentation of this said debt was in the closing paper work, however, the debt was never paid. When I reached out to my loan officer ( XXXX XXXX XXXX and his leader ( XXXX XXXX ) from the XXXX, XXXX  office, I was told that it was in fact a miss on their part, but it had already been processed and there was " nothing they could do about it. '' I since than have had my wages Garnished by my employer ( how embarrassing ), and continued to reach out formally to Mr. Cooper to file a complaint in hopes that someone could help to make light of the situation, with not only no response, but received a letter that my monthly payments would go up XXXX $ per month due to escrow increases. 

Mr. Cooper showed no accountability, empathy, or took no opportunity to make the situation right. I, in no way wanted them to absorb my debt, but simply avoid wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. 

On XX/XX/, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXX, FL XXXX we transferred {$10000.00}. This is a business we have standard relationship during the year, and it is not the first time we transfer money. In fact, this is just an addition to complete the new batch as new requirements were added to the process requiring the additional money. 

We provided all the information requested including invoices from manufacturer, etc. 

We have been visiting the institution several times, having meetings and meeting with no resolution and not even an answer about the reason the money is on hold. This situation will cause a significant financial damage to our company, as we depend on receiving the merchandize on time for the holiday season and to avoid significan increase in the shipping price due this delay.

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 2023-01-26
Company: EQUIFAX, INC.
State: IL
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23 I received an alert from XXXX that a major derogatory mark had been made on my credit report with XXXX by Central Portfolio Control for an account I was not aware of. After checking the other two bureaus, I saw that the same mark had been made on my XXXX report as well. I have not received any contact by this debt collection agency by phone, email, or mail with regard to an outstanding debt. It is my understanding that before a debt collector can report a debt to a credit reporting company, the debt collector has to either speak with me in person or over the phone about the debt, mail me a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send me an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. I have not received any such communication, and yet the debt has been reported to two major credit bureaus and negatively impacted my credit score. I was not provided any information about what the debt is, verification that it belongs to me and hasn't been paid off, or info on how to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: PA
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 2022-06-15
Company: Foursight Holding LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company : Foursight Capital Auto Purchase XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, Dodd Frank ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly XXXX years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a XXXX  mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

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 2023-01-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a vehicle financed through Bridgecrest for which I've been making payments on since purchasing the car from XXXX in XXXX of XXXX. 

On XX/XX/XXXX I took the car to my local XXXX to have it appraised and it was appraised at $ XXXX. I logged into my Bridgecrest account and requested a payoff, which was right around $ XXXX. My XXXX appraisal expires on XX/XX/XXXX. 

On Sat, XX/XX/XXXX I took my car to XXXX to complete the sale. The salesman and I contacted Bridgecrest customer service via phone to obtain an official " dealer payoff ''. I gave the Bridgecrest Rep my vehicle VIN and my name, and he stated " that is not the name on this account ''. He read off the name and address of who was on the account and it wasn't me nor my address. The email address on the account was correctly mine, however. The Rep stated he could not provide a payoff since I wasn't an " authorized user '' on the account! I decided to log into my Bridgecrest account on my phone, clicked " Account '', and sure enough there is someone else 's name and address on my account! 

It is now XX/XX/XXXX and after numerous calls to Bridgecrest every day since the XXXX, my issue is still no closer to being resolved as day 1. My appraisal 's expiration has come and gone and I'm now at risk of losing thousands of dollars if my car doesn't appraise the same amount. 

I even attempted to contact the CEO of Bridgecrest via XXXX to explain my situation, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Grant Mercantile Agency
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX collection notices from Grant Merch. The submission dates were XXXX, XXXX. Grant refiled the accounts to XXXX to represent that they were new starting XX/XX/XXXX. This was purposely done to ruin my score, allowing the entries to remain on my accounts an additional three years in a violation of the Consumer Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX Account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-02-01
Company: CCF Intermediate Holdings LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/23 I spoke to XXXX. I requested for statements to be mailed to me with the itemization of charges, amount of the payment being applied to the principal balance and the amount being applied to interest. I was told that it could not be provided to me through mail or email. Nor is it available on their website. I have had a total of {$8100.00} taken out of my checking account they are not applying payments to the principal balance of the account. I still owe {$1300.00} and only borrowed {$2200.00}. To are in violation of XXXX XXXX, FDCPA. I requested a physical address to write a formal complaint and send certified mail. XXXX advised they were directed not to provide XXXX XXXXXXXX XXXX address only a XXXX XXXX another violation. I am requesting the balance be forgiven & payments reimbursed back to me to avoid me filing a law suit against them. I am requesting the physical address so I can prove it to an attorney that intend on retaining if my request are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear agency I m a victim of ID theft

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 2021-08-30
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 explanation