BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2005, I was victimized by Wells Fargo specifically their predatory lending practices. 
What you need to be reminded of : -they took advantage of my dream for home ownership the American dream. 
-they concocted an illegal home loan that violated over traditional funding practices which included the over valuation of the property : -they ignored my debt to income and loan to value ratio. 
-levied unfair terms, by taking advantage of my inadequate understanding of loan terms and conditions. 
-Wells Fargo underwriters were confident that this loan would default and they would end up repossessing/foreclosing the home and recoup any losses with mortage insurance and the tax payer bailout. 
-they destroyed my family, my finances, took 10 years of mortgage payments : {$530000.00}. The house was listed and purchased at : {$390000.00}, Ignoring all appraisals. 
-I am XXXX XXXX XXXX XXXX -The property was recently resold. 
-my down payment, interest payments, principal payments, equity, all gone. 

they payid a XXXX dollar fine to XXXX knows who, and my family is still in ruins. 
How can they make me whole? 
Where is my relief? 
How can I start over? 
Where do I apply for relief?

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : BK OF AMER XXXX I dont have any knowledge of this account. Please have this removed 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
Consumer complaint received 2021-12-05
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: Old information reappears or never goes away

Complaint:
I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.

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 2020-12-30
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYCB/ JC Penny is reporting an erroneous late on my credit file for the month of XX/XX/2020. The balance on this account was paid a month or two prior, so there's no way I could have a late for XX/XX/2020. I am requesting proof and more information about this. I was not late and it needs to be removed off my credit 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 2020-12-30
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Mercedes Benz Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
There was a Derogatory mark added to my credit with no warning or no payment plan sent to me to take care of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-04-05
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: Was not notified of investigation status or results

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXXK complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose DISCOVER BANK account has become 120 Days Late Between XX/XX/2023 and XX/XX/2023, your DISCOVER BANK credit card status changed from " 90 Days Late '' to " 120 Days Late ''. During this period, you made 0 out of 1 payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: OneMain Finance Corporation
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 have two inaccuracies on my credit on two different reporting bureaus. XXXX is showing this account as 30 days late in XXXX, while XXXX is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a customer of XXXX XXXX with Merrill Lynch XXXX, AZ. He has slandered, lied and sought to incur harm on me and my family by spreading false rumors and advertising news of my bankruptcy by communicating to others locally and out of state thereby causing my son to be evicted as XXXX contacted my sons landlord across state lines to evict him in CA through no default under the lease. Additionally, he caused me, my wife and family great irreparable harm in the business community and socially in XXXX by diminishing my reputation to do business in a community I have lived in for 50 years. He is a criminal seeking to destroy me and my family. 
As an employee of Merrill Lynch, this company has attacked me causing substantial financial damage by ruining my reputation and causing the lost of millions of dollars in revenue which I have enjoyed my entire lifetime. This employee of Merrill Lynch should be fired and fined. 

As a former client, this company has sought to damage me and my family. There must be recourse against them.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: TN
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 Account # 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 an account without my written instructions.

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 2020-12-30
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A company kept calling me in regards to a friends debt. They said there was a case being filed against him. Therefore, they were disclosing that he had a debt. Also, they kept saying that he was legally served on my voicemail. Which was a lie. In addition when I called back to tell them to stop calling and harassing me, they did not disclose they were on a recorded line. When I told them the number they provided was not a legal case number they said it was. 

The agent was very nasty to me. I told her that I wanted the name of her company and she would not give me the full name. I told her they were violating the FDCPA and was going to enter a complaint. I have kept the voicemails as well. 

I work in litigation as well for debt. This was very disappointing to me and this is the type of agency that gives all of us a bad reputation. 

The company called me from XXXX and told me to call back 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 2020-12-30
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-12-05
Company: DriveTime
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Reporting agencies improperly used my personal business without my consent. Transunion, XXXX and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.

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 2020-12-30
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express indicated that I have an available sum of {$17000.00} to pay over time on my AMEX card ending with XXXX. At the time I had a balance of approximately {$3000.00} I attempted a charge of {$2500.00} which was declined. When I called the company I was dissatisfied with a very convoluted and impossible to understand explanation. 

None of the material received from AMEX, ( in the 10 or so years that I have had the card ) indicated any type of limitation on the use of the pay over time balance cap. 

I consider AMEX 's failure to warn about any kind of limitation to be misleading and deceptive. As a result of the declination of my attempted charge I fear harm to my credit rating, not to mention the personal humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: OH
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 filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Genesis FS Card Services, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from XXXX XXXX XXXX XXXX XXXX. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your Indigo XXXXXXXX account originated by XXXX Bank, which is now owned by XXXX XXXX XXXX XXXX, XXXX. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX XXXX on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it 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 explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2020-12-30
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: Was not notified of investigation status or results

Complaint:
I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XXXX to this date XXXX it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.

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