BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Validation letters were sent out to Wells Fargo on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-01-17
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, XXXX, and Equifax directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from Equifax and XXXX stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. 

Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Capital One, I, the consumer and natural person, was unfairly discriminated against when my credit card account was closed by Capital one. I consistently use the card in good faith and have repeatedly made on time payments. 
Adverse actions against a consumer are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. 
You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Capital one due to the account closure. 
Capital One is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but my account was closed. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. 
If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Complaint against XXXX XXXX  Account number ending in XXXX I am in distress! I log onto Experian to learn about credit, and I already have accounts that do not belong to me nor did I give anyone permission to use my information for credit. Well, I went through the dispute process that took about 30 days and the credit bureau said, the information came back as verified after sending a police report, and FTC report. I sent out a letter demanding proof from the creditor which was part of the disputing process that Experian told me. XXXX XXXX  sent a package to me with the supposed charges, on XXXX XXXX saying I owe them {$1600.00} now its {$1900.00}. I do not owe XXXX XXXX  anything because I never had a account with XXXX XXXX  and something needs to be done about this 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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute in to Transunion and I received an illegal correspondence back stating if Im working with a credit repair company when Im clearly working on my own repairing my credit. This is considered a stall tactic letter from this CRA and this is a violation of my consumer rights. Do they not know I am very well capable of repairing my own credit.

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 2023-10-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove these accounts 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 2023-07-26
Company: Exeter Finance Corp.
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:
I requested and reviewed my credit reports from all 3 credit bureaus. I found that all 3 credit bureaus are reporting my car loan balance to be incorrect. I contacted my loan company and we both verified what the correct balance should be. I disputed the inaccurate information twice and twice the credit bureaus are not updating my consumer credit reports with the correct information.

All 3 credit bureaus are reporting that my Exeter Finance balance is {$27000.00}. I contacted Exeter Finance by phone and the representative and I agree that the balance on my account is {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: CA
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 below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
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 explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received 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 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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 # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and 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.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2021-10-20
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my mortgage in XX/XX/XXXX and the closing was not finalized until the end of XX/XX/XXXX. I had to make consistent follow up with Loan Depot and submit my financial records twice. It finalized closed the end of XXXX. I advised I was seeking a 30-year fix mortgage and I wanted my homeowners insurance and my taxes on the property paid with my mortgage. Loan Depot agreed. 

Prior to refinancing with Loan Depot my outstanding Mortgage was {$340000.00} with XXXX. To refinance with Loan Depot at a lower rate my mortgage increased to {$340000.00}. That was a surprise. I asked why waws there such an increase. I was advised it was the funding of the mortgage, taxes, and homeowner insurance through escrow - and my monthly payment would be {$1700.00}. 

I made my payments for XXXX, XXXX XXXX, in the amount of {$1700.00} with additional money on the total owned. in XXXX I advised there was a shortage in my escrow and my new loan payment would increase to {$2200.00}. 

I've asked Loan depot to transfer the additional money paid on the loan to my escrow. I finally realized that loan depot had not been trueful with me when they set up my loan. I was told my XXXX XXXX at Loan depot that I could pay my own taxes and insurance, but the loan was written to pay my taxes twice a year, not four times a year. It took several phone calls and email to the XXXX MA XXXX XXXX and Loan Depot to determine they were not being trueful about my taxes. Several times I was informed that the taxes had been paid but this was not the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX XXXXas violated my rights. 

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 2021-10-20
Company: NETWORK CAPITAL FUNDING CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Network Capital has been calling me daily even after me requesting to be taken off of their call list. This most recent call, the telemarketer was asking what my rate was then told me that they could definitely beat the rate and transferred me to a licensed XXXX. The XXXX instantly told me that they couldn't beat the rate that I currently have. My complaint is 3-fold ; network capital is telemarketing my cell phone number, they have non-licensed people discussing rates with me, and they're providing false information.

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 2021-10-20
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Afternoon. My name is XXXX XXXX XXXX. I received something in the mail from Sequium Asset Solutions in regards to a XXXX Debt that I do not owe. This letter is dated XX/XX/21 and I just received it today. It came from XXXX. It shouldn't have taken 7 days to get to me, but nonetheless, this is a debt that I do not owe. This is the 3rd or 4th time that it has been sold. Everytime that I dispute it due due to fraud, it is removed, it gets sold to another company. I am tired and over it. This debt does not belong to me at all.

Company response to consumer: Closed with explanation