BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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, XXXX and Equifax have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan and United Wholesale Mortgage was paid in full on XX/XX/XXXX aka date of closing. I have an excess escrow balance due me of {$3800.00}, 3 weeks have gone by and they still havent mailed my check to me. When I called them they wouldnt tell me when it would be mailed. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Disputed inaccurate bankruptcy information and Experian refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: SC
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 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 items 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 items : XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$92.00} XXXX XXXX XXXX XXXXXXXX Balance : {$64.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX* Balance XXXX {$610.00}

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 2019-03-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought and closed on the home in XX/XX/XXXX. We live in an area where there has been some appreciation. We have also made some improvements to the house. In XX/XX/XXXX we contacted Wells Fargo Home Mortgage in XX/XX/XXXX to review our options to remove PMI. We were sent a letter dated XX/XX/XXXX that outlined our options. One of such options was to pay {$100.00} for a third party XXXX XXXX XXXX XXXX XXXX XXXX. This is the option we chose. We were told, and the letter stated that our property needed to be valued at {$290000.00}. The Broker, who was also a licensed Appraiser provided his report with a final valuation of {$300000.00}. With our loan balance under {$230000.00}, this put us not only under 80 %, but closer to 77 % LTV. When I followed up with Wells Fargo after receiving a copy of the final report, the Wells Fargo representative stated that we did not meet the requirements, as the investor now required a Loan To Value of 75 %, rather than the previously documented 80 %. The representative I spoke with could not answer any of the questions I had regarding the process and why we were sent a letter that stated 80 % LTV was sufficient, then when we met the requirement it changed to 75 % LTV. I requested to speak to a Supervisor, who stated they would look further into the matter and review the appraisal further. I was told we would be contacted by XX/XX/XXXX with a resolution. On XX/XX/XXXX my wife was contacted and told that they were still reviewing the appraisal and would be back in touch soon, again, with resolution. We have not heard anything from Wells Fargo since.

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 2019-10-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called this creditor of Grant & Weber 9 times since XXXX of this year. I was directed solely to XXXX XXXX XXXX voicemail. One of these times I reached his temporary relief whom resolved 2 of my accounts but stated I'd need to call and reach XXXX XXXX to have them removed from my credit report and to set up a payment arrangement for the remainder of my accounts. Multiple calls and almost a month later, XXXX finally called me back this morning XXXX ( I've since had another account default to my report in the interim ) after I'd just returned home from the hospital and was resting. I informed him of what I wanted to accomplish, he informed me that I had a lot of accounts and a lot of outstanding debt. Under {$700.00} is not enough to make me feel that bad about it. I told him first we needed to settle the deletion of the accounts on my credit report. He told me how that works, I told him I'm not brand new and he raised his voice telling me he doesn't care. A few more words ended the conversation. He avoided my call for months and now calls with rudeness. I just want my debt resolved and they are supposed to want my money.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611.

It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report 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 2022-01-02
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:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-05
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I bought a used car which started out being {$12000.00} with {$3500.00} down payment so wouldn't that mean that the financing price would be XXXX but that wasn't the case I've had it XXXX year starting balance for finance is {$23000.00} and owe {$16000.00} thats not right and know one seem to understand me but if they come get it ill owe them the remaining balance so either way I'm still n debt and the sell price is like {$5600.00}. Blue book price

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 2023-09-11
Company: Chime Financial Inc
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chime : I received multiple emails asking me to verify my address due to a debit card being sent there. The address is like XXXX yrs and XXXX residences old. Then they send an email asking you to set up a direct deposit and link your account, as if you have an active, real account under your authority. You then spend the next few days trying to get ahold of a nonexistent XXXX customer service rep, to find out if its a phishing email, or someone actually stole your identity. You have to say dispute a charge to get a real person, who then tells you they can't help you unless you send your drivers license and SS # to them via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
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: Investigation took more than 30 days

Complaint:
I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND EQUIFAX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY HIPPA RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. XXXX XXXX AND XXXX HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND EQUIFAX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute 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 2022-01-02
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:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated phone calls at all hours of the day and night from Portfolio Recovery Associates, LLC. They call from all sorts of random numbers and have been doing so for over a year now. I do not owe any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX  Date Opened : XX/XX/2015 Balance : {$45000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-01-02
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I reviewed my Consumer Reports and noticed that I have conflicting statuses on an account I know nothing about. When I tried to contact the company one person told me that the account was closed, another person told me that the account was open, and another person told me that there was no record of the account. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never opened an account with this company : XXXX XXXX XXXX : Acct # XXXX -- - XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXXease investigate and provide Proof with statements showing that this account is opened or closed and also whether or not it is mine. If proof can't be provided I demand this account to be removed as I have been having problems getting approved for many things and this is affecting my lifestyle negatively. I have contacted them to inform them this is me and provided documentation that it is indeed me contacting them to remove this information from my consumer report. 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.

Thank you.

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