BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' XXXX Equifax XXXX Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX XXXX without issue {$1500.00} XXXX XXXX which is being managed appropriately ). 

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I waited for ten days for a wire transfer. 
Today, the company XXXX XXXX initiated the payment to Bank of America. Later at about XXXX XXXX, the XXXX XXXX rep contacted me to tell me that the Bank returned the wire payment because they needed an address. 

First of all, at the time I started with the XXXX XXXX, my address was different and I have since left that address. The Bank account was opened at that address, then the address was updated at the Bank. 

Second, I had already told the XXXX XXXX that I was XXXX XXXX XXXX XXXX XXXX abroad and that they should not send me checks. I noticed they initially insisted on sending Checks and I questioned why they chose such a dangerous way to send people their funds given that the recipient had told them she is unavailable at the address. 

Besides, why would a rational person want to send a check when the recipient had refused the means because they are not going to be home and needed the funds asap for an XXXX abroad and all that is required is for the funds to be in their Bank account where the check would have ultimately been delivered? 

Third, it is not safe to send checks of such an amount in the United States. This is egregious. Kindly check the link to see what is even going on with the USPS : XXXX XXXX XXXX XXXX XXXX Then 10 days later, the company now stated to me that the Bank returned the wire due to address issues. 
I am demanding an investigation of this matter. 
This has caused me irreparable harm and I am considering a lawsuit.

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 2018-05-01
Company: Autovest, L.L.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} TBOM/VT XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights have been violated by 6 different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt.

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX XXXXXXXX Account # XXXX Amount- {$940.00} XXXX & XXXX Account # XXXX Amount- {$1900.00} XXXX XXXX Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo has NEVER contacted me about my mortgage w/ them. 

On XX/XX/XXXX I took out a mortgage with Wells Fargo for the home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Purchase price was {$310000.00}, plus taxes, plus closing costs. 

XX/XX/XXXX I lost my job. 
Immediately after, my then-husband got a GF and left. He'd also lost his job. 

I stayed at this house until Fall XXXX. WF sent many foreclosure letters and warnings. 

I had to pay all utilities thru XXXX XXXX or so. 

Except on or around XXXX I spoke to WF by phone about refinancing this mortgage. 
I sent them back their hardship paperwork. 
Heard nothing. 
In early XXXX, the same. 
In Fall XXXX, the same. 

I never heard anything from WF until right before I moved out. 
They sent a letter refering to the hardship paperwork I'd turned in over a year prior, but still never processed it. 

Breakdown is as follows : bought XXXX XXXX XXXX, XXXX XXXX, NV XXXX parcel # XXXX on XXXX for {$310000.00} plus taxes plus closing fees, mostly put into a mortgage with Wells Fargo. 
Requested help with mortgage on multiple occassions, by phone and online. 
Was never helped, but sent many letters threatening to foreclose. 
On or around XXXX, house was sold to a 3rd party based out of XXXX, CA. 

So WF never processed the hardship paperwork, never helped me at all there was a program for {$150.00} off each month on the mortgage I applied for, they never processed that either, offered any help, suggestions, just left the paperwork in permanent limbo. 

Until the house foreclosed in early XXXX. 
Also leaving me with thousands in fees, taxes, insurance that Wells Fargo told me I was responsible for. 

As a result, I had to declare Bankruptcy and ruin my credit for a decade. 
I lost my house, my home, had no choice but to move out of NV back to MI. 

Wells Fargo not only never tried to help me, they never made any contact at all. Calls and messages and emails all went unsnawered, leaving me witih many outstanding bills. 

To this day, Wells Fargo has not ever sent me anything. 
Except for bills. 

My house foreclosed thanks mainly to Wells Fargo. 

I have never been contacted about any of these class action lawsuits. 
If I'm eligible, I have not received a single penny from 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 2022-12-08
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:
Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
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 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 2023-07-08
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:
I have attempted multiple times to get accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: 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.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX account number XXXX 2. XXXX XXXX account number XXXX 3. XXXX XXXX  account XXXX 4. XXXX. XXXX XXXX account number XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly delete

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 2018-05-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. 
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/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