BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: WA
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:
I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!

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 2023-08-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-14
Company: Home Loan Center, Inc.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
You guys need to step in and get control of these deceptive advertising. I see ads all the time for HELOCs at super low rates that are not even close to being real. I recently saw and advertisement by Lending Tree, where they advertised a HELOC for 6.5 %. There was not approval criteria listed on the ad. I applied, and I am very well qualified with 35 % LTV, very low DTI and XXXX north of XXXX. Well none of that mattered because not a single lender I spoke to has rates anywhere near 6.5 %. all of them are in the 9 % range. You need to eliminate companies like lending tree where they just shotgun your application info to a million lenders. then we have to go through a handful of conversations that take a lot of time, only to find out the rates aren't even close to what is advertised. To me this is deceptive advertising and should be a finable offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Navient Solutions, LLC.
State: WA
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:
In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through Navient the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of Navient increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to Navient and XXXX to see what I needed to do. After hours of phone calls with Navient were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXXprompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however XXXX  has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until Navient sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This has been a reoccurring problem with Wells Fargo and my Surviving Spouse benefit check from XXXXXXXX XXXX I trusted my bank to handle my funds and my account to be correct until I started looking for a place to rent for me and my daughter. 
Wells Fargo intentionally misrepresents the " Early Pay Day '' and for the first time, I received documentation that they don't really make your funds available. It just appears in your available balance, but it isn't actually there. It's called an advance. I was never informed that it was an advance and I wasn't given the opportunity to decline the service. I've lost about {$1500.00} due to their " service ''. They post the money in my available balance, but then they don't subtract any transactions from the deposit, they subtract it from the previous balance, which always puts me in the negative before my check is actually deposited. I am not signed up to overdraw my account, as I am trying to save money. All I have done is lost money since my time at the bank. They haven't offered to fund my account the {$300.00} they are giving away to new customers or even offered to fix my account to what I was under the impression the balance was. They did say " We are sorry to hear about you trying to understand how the advance works. '' If a new service had been started, and they state that they are offering access to your deposit early, that's exactly what should be done. Or if it's an advance, we should have the opportunity to accept or deny the service. 
**Today is payday for my payroll check. It is still showing as pending even though it should be all the way available.

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 2020-09-24
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: Information belongs to someone else

Complaint:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have not blocked the information and do a thorough investigation even though I sent a police report, reported from FTC, and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me with any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  uni date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXX XXXX   XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA 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 2023-06-12
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information.

As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option.

Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Your institution must ensure the accuracy of any information you report about me.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. 

Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a tenant with this company about 4 years ago in XXXX. My lease ended with them on XX/XX/XXXX and no one notified me regarding a lease renewal so I was placed on a month to month. I lived in their apartment until XXXX of that same year under no lease. I contacted them and no one contacted me back. A message was left on their machine, twice. I continued to live there and the home begin to have bed bugs as well as mold. It wasn't livable. My kids and myself, we all gotten sick and had to take time off school and work. Again, I tried contacting their company with no response so I left the premises and when I left, the company charged me with over {$4000.00} fees on my credit when I attempted to contact them numerous times. I had no clue of this being on my credit until I applied for an apartment about 2 days ago XX/XX/XXXX. Again, I called today XX/XX/XXXX and left a message, no one has called me back at this time. It's about XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After my credit report was pulled I have received 39 solicitation calls from mortgage companies in a 4 hour period. I am on the Do Not Call list. My information was provided as having been applying for a mortgage and my information is being sold by the credit bureaus to mortgage companies. 
When I ask who they are and how they got my info they hang up. 
These calls all came between XXXX XXXX and XXXX this morning XX/XX/2023. This practice needs to be stopped. The one caller stated he got my info from Experian.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with Title Company XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department XXXX XXXX This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With XXXX  Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department XXXX XXXX. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX TX 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 2023-04-28
Company: EQUIFAX, INC.
State: MN
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2013 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Called XXXX to close account with XXXX and XXXX XXXX XX/XX/XXXX. They advised that XXXX timeshare opened the credit card in my name. I never gave them permission to apply for a Credit Card. I was there for a Timeshare presentation. Was not advised that there is any Credit Card Approval. Received Credit Card in the mail. They also signed me up for a XXXX XXXX Credit account without my consent. Credit card Acc was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: ROAD Auto Finance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
After numerous attempts to notify loan company of my consumer rights being violated by dealership and letting them know im going through the process of getting things overturned and requesting a debt validation to no avail. 

Road Auto Finance released my personal ie. ( My name and my address ) information to a third party tow company without my consent violating my consumer rights in L5 U.S.C. 552a Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protectsrecords about individuals retrieved by personal identifierssuch as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain. 

Also as I was sitting in my car at XXXX. the tow company came and hooked up to my vehicle while I was in the vehicle. I got out of the vehicle and asked him what is he doing he then told me he was repossessing the vehicle. 

Which falls under the FL state law Breach of peace. Because this was an attempt to take possession of a vehicle with my person physically being in the vehicle. Taking possession of vehicle in this nature is a breach of peace and HIGHLY ILLEGAL. 

Under Florida law, disorderly conduct or breach of peace isclassified as a second degree misdemeanor, carrying penalties of up to 60 days in jail or 6 months of probation, and a {$500.00} fine This violation of consumer rights is on the finance companies fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation