BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit reporting 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 written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.

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 2023-08-28
Company: Experian Information Solutions 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:
My name is 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 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 2022-10-13
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-19
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XXXX the XXXX i was in XXXX XXXX with my father on a visit. On my way to the airport we stopped to get food and the car was broken into and my bags where taken along with my fathers belongings. The police was called and a report was taken. On XXXX the XXXX i receive a text message from my father phone it said for me to deposit two checks he was sending me to replace my XXXX  watch XXXX computer and text books for school and another to pay my semester that i owed. I was surprised he had sent me over the amount i needed and i text him. He replied for me to quick pay him thorough zelle XXXX to return some of the money back which i did. After a two days the first check bounced i called my bank and they informed me it was an unauthorized check. I immediately contacted my father at my grandmothers house where he informed me he had never sent the check and that he had not recovered his phone. I was advised from zelle and my bank to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My previous mortgage servicer issued a payoff statement to them that was very clear about what was needed to payoff the loan. Unbeknown to me at the time, Owning decided to pay a completely different amount that was several XXXX dollars short. Because of this, my servicer did not accept the partial payment. When it was finally brought my attention 3 weeks later that Owning did not pay in full, I had accumulated XXXX dollars of additional mortgage interest that I was forced to pay out of pocket. I thought that Owning would certainly own their mistake and reimburse my expense. Boy was I wrong, after weeks working with XXXX and XXXX in customer service they accomplished nothing and refused to take any ownership of the error. I will never work with them again and I caution anyone to steer clear. There are plenty of other competent lenders out there that are trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Reference CFPB XXXX, XXXX claimed ( kindly see attachment ) If a payment is not received by the time the next payment comes due, ( e.g., XX/XX/2017 to XX/XX/2017 ) the payment is considered to be over 30-days past due. The same is true for months with 31-days. 
The Date of First Delinquency ( DOFD ) for XXXX XXXX reporting purposes is not calculated in the same manner that days delinquent is noted in your core system. The DOFD does not start until 30 days after the first due date. For example, if you are reporting data as of XX/XX/2017 and a payment has not yet been received for a loan has a due date of XX/XX/2017, the loan should be reported as being zero days past due. 
XXXX sent a spreadsheet not ( XXXX XXXX and XXXX data ) showing payments made XX/XX/2017 installment was paid on XX/XX/2017, and XX/XX/2017. 
There is no evidence to back this up. For an establish bank, a receipt of payment is the expectation. Anyone can create a spreadsheet to show delinquency. Where is the evidence of this late payment? Where is the XXXX  XXXX reporting on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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 Account with XXXX and Equifax has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. Mid America Mortgage Inc, FHA Mortgage is being reported as deferred ( forbearance due to national disaster/COVID ) payment date not reported for months XX/XX/XXXX XX/XX/XXXX. Account has never been in deferred status. My 3 credit reports ( XXXXXXXX XXXX, and XXXX ) reflect that my monthly payments were {$0.00} for the months of XX/XX/XXXX XX/XX/XXXX ( 6 months ). For the months of XX/XX/XXXX XX/XX/XXXX my credit report payment history reflects No data for this time period. 
This reporting and deferment were not authorized by me or co-applicant. We contacted the mortgage company and inquired on a deferment due to pandemic, but the terms were not helpful, and we did not pursue a deferment. We did not sign paperwork for a deferment, nor did we provide a verbal approval for deferment or terms of any such deferment. 
Our credit report is accurately reflecting monthly and on time payments to mortgage account despite $ XXXX monthly payment scheduled. 

Mortgage company was contacted, and representative confirmed account reflects deferment ; however, monthly payments are being made on the account and confirmed only an inquiry was made in XX/XX/XXXX ; however, no actions to pursue a deferment was requested. Representative requested for account review but can take 5-7 business days. 

I am currently undergoing a refinance of my mortgage to a lower interest rate ( 2 % ) significantly lower and this inaccurate information on my credit report and that of my spouse is delaying our process.

2. Mid America Mortgage Inc I previously serviced our loan from date of opened account XX/XX/XXXX ; however, it was taken over by Mid America Mortgage Inc, it had reported to credit report account was closed and no payment history reflected from XX/XX/XXXX until roughly XX/XX/XXXX. This inaccurate information significantly lowered our credit rating. 
a. Telephone call was made to representative and it was returned to active/open account after 60 days, but the report continues to reflect this inaccurate information. 

Mid America Mortgage Inc payment history has been attached and mortgage statements from XX/XX/XXXX - XX/XX/XXXX to review payments for last 12 months paid on time and no message reflecting deferment on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX has inaccurate information reporting to my credit repotr on all 3 credit bureaus. The rules of the FCRA states that if the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 
i will be attaching all the inaccurate reporting that is being reported. i have tried multiple times to address this but my be i explained it wrong.

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 2018-04-09
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have graduated college ( XXXX college ) XX/XX/2016, and I didn't own the college any money. Shorty after, about a year after I started getting phone cals from college after I already graduated and received my college diploma. The phone calls from the school said that I own the school {$3700.00}. At first I thought it was my loan which I already repaid it so I just ignored it, but shorty after I received a phone call from collection agency that were telling me if I don't pay this, they will ruin my credit score. I went to school to find out what is going on and the financial advisor told me that one of the semesters XXXX didn't cover me and therefore now I'm responsible for this payment. I feel this is wrong because when I took the classes, the school told me I don't have to pay anything. If they told me at this time I will need to pay this amount I would most likely take this classes in a XXXX school since it is cheaper there. Now the school doesn't want to help me get to the bottom of this because they said now I have to deal with collection agency. Im a single mother and make {$1200.00} and can't pay this amount. Collection threaten to ruin my credit t. The collection agency never send me any letters, only phone calls so I don't have any documents to attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
Please forward the information to GM Financial/ XXXX XXXX XXXX XXXX XXXX XXXX Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 XXXX has me at a score around XXXX. 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 XXXXThis 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 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 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-20
Company: Improved Data Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There have been periodic calls and communications from this company regarding a debt that is not owned by me and is instead apparently owned by my father instead, whom I have not had communications or associations with for many years ( estranged due to family dynamics ). The most recent of which was via text message on XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.

Company response to consumer: Closed with explanation